LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,319
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,506
−HK$2,222/mo
Today · 4.125%
HK$74,728
baseline
▲ 0.50% · 4.625%
HK$79,275
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,456/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,229
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$80,327
−HK$2,128/mo
Today · 4.125%
HK$82,455
baseline
▲ 0.50% · 4.625%
HK$86,802
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,910/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,382
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,007
−HK$2,667/mo
Today · 4.125%
HK$89,674
baseline
▲ 0.50% · 4.625%
HK$95,130
+HK$5,456/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,348/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,875
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$96,392
−HK$2,554/mo
Today · 4.125%
HK$98,946
baseline
▲ 0.50% · 4.625%
HK$104,162
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,892/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,446
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,508
−HK$3,112/mo
Today · 4.125%
HK$104,620
baseline
▲ 0.50% · 4.625%
HK$110,986
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,240/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,520
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,458
−HK$2,979/mo
Today · 4.125%
HK$115,437
baseline
▲ 0.50% · 4.625%
HK$121,522
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,874/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,574
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,511
−HK$4,000/mo
Today · 4.125%
HK$134,511
baseline
▲ 0.50% · 4.625%
HK$142,696
+HK$8,185/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,022/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,812
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,588
−HK$3,832/mo
Today · 4.125%
HK$148,420
baseline
▲ 0.50% · 4.625%
HK$156,243
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,840/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,619 · Scale 2, in force from 26 Feb 2026)