LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,315
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,502
−HK$2,222/mo
Today · 4.125%
HK$74,724
baseline
▲ 0.50% · 4.625%
HK$79,271
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,448/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,225
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,323
−HK$2,128/mo
Today · 4.125%
HK$82,451
baseline
▲ 0.50% · 4.625%
HK$86,797
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,902/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,378
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,003
−HK$2,666/mo
Today · 4.125%
HK$89,669
baseline
▲ 0.50% · 4.625%
HK$95,125
+HK$5,456/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$179,338/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,870
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,387
−HK$2,554/mo
Today · 4.125%
HK$98,941
baseline
▲ 0.50% · 4.625%
HK$104,156
+HK$5,215/mo
Deposit HK$12.33M · loan HK$18.50M · min. income ≈ HK$197,882/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,441
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,503
−HK$3,111/mo
Today · 4.125%
HK$104,614
baseline
▲ 0.50% · 4.625%
HK$110,980
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,228/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,515
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$112,452
−HK$2,979/mo
Today · 4.125%
HK$115,431
baseline
▲ 0.50% · 4.625%
HK$121,516
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,862/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,567
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,504
−HK$4,000/mo
Today · 4.125%
HK$134,504
baseline
▲ 0.50% · 4.625%
HK$142,688
+HK$8,184/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,008/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,804
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,581
−HK$3,831/mo
Today · 4.125%
HK$148,412
baseline
▲ 0.50% · 4.625%
HK$156,235
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,824/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,549 · Scale 2, in force from 26 Feb 2026)