LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,326
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,513
−HK$2,223/mo
Today · 4.125%
HK$74,736
baseline
▲ 0.50% · 4.625%
HK$79,283
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,472/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,237
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,335
−HK$2,129/mo
Today · 4.125%
HK$82,464
baseline
▲ 0.50% · 4.625%
HK$86,811
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,928/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,391
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,016
−HK$2,667/mo
Today · 4.125%
HK$89,683
baseline
▲ 0.50% · 4.625%
HK$95,140
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,366/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,884
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,402
−HK$2,554/mo
Today · 4.125%
HK$98,956
baseline
▲ 0.50% · 4.625%
HK$104,173
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,912/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,456
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,519
−HK$3,111/mo
Today · 4.125%
HK$104,630
baseline
▲ 0.50% · 4.625%
HK$110,997
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,260/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,532
−HK$5,917/mo
▼ 0.25% · 3.875%
HK$112,469
−HK$2,980/mo
Today · 4.125%
HK$115,449
baseline
▲ 0.50% · 4.625%
HK$121,535
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,898/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,587
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,524
−HK$4,001/mo
Today · 4.125%
HK$134,525
baseline
▲ 0.50% · 4.625%
HK$142,710
+HK$8,185/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,050/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,826
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,603
−HK$3,832/mo
Today · 4.125%
HK$148,435
baseline
▲ 0.50% · 4.625%
HK$156,259
+HK$7,824/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,870/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,752 · Scale 2, in force from 26 Feb 2026)