LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,320
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$72,507
−HK$2,222/mo
Today · 4.125%
HK$74,729
baseline
▲ 0.50% · 4.625%
HK$79,277
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,458/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,230
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,328
−HK$2,129/mo
Today · 4.125%
HK$82,457
baseline
▲ 0.50% · 4.625%
HK$86,803
+HK$4,346/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,914/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,384
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$87,009
−HK$2,666/mo
Today · 4.125%
HK$89,675
baseline
▲ 0.50% · 4.625%
HK$95,132
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,350/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,876
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,394
−HK$2,554/mo
Today · 4.125%
HK$98,948
baseline
▲ 0.50% · 4.625%
HK$104,164
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,896/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,448
−HK$6,173/mo
▼ 0.25% · 3.875%
HK$101,510
−HK$3,111/mo
Today · 4.125%
HK$104,621
baseline
▲ 0.50% · 4.625%
HK$110,987
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,242/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,522
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,459
−HK$2,980/mo
Today · 4.125%
HK$115,439
baseline
▲ 0.50% · 4.625%
HK$121,524
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,878/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,576
−HK$7,937/mo
▼ 0.25% · 3.875%
HK$130,513
−HK$4,000/mo
Today · 4.125%
HK$134,513
baseline
▲ 0.50% · 4.625%
HK$142,698
+HK$8,185/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$269,026/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,814
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,591
−HK$3,831/mo
Today · 4.125%
HK$148,422
baseline
▲ 0.50% · 4.625%
HK$156,245
+HK$7,823/mo
Deposit HK$3.08M · loan HK$27.75M · min. income ≈ HK$296,844/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,639 · Scale 2, in force from 26 Feb 2026)