LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,327
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,514
−HK$2,223/mo
Today · 4.125%
HK$74,737
baseline
▲ 0.50% · 4.625%
HK$79,284
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,474/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,238
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,336
−HK$2,129/mo
Today · 4.125%
HK$82,465
baseline
▲ 0.50% · 4.625%
HK$86,812
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,930/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,392
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$87,017
−HK$2,667/mo
Today · 4.125%
HK$89,684
baseline
▲ 0.50% · 4.625%
HK$95,141
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$179,368/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,885
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,403
−HK$2,555/mo
Today · 4.125%
HK$98,958
baseline
▲ 0.50% · 4.625%
HK$104,174
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.50M · min. income ≈ HK$197,916/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,457
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,520
−HK$3,112/mo
Today · 4.125%
HK$104,632
baseline
▲ 0.50% · 4.625%
HK$110,998
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,264/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,533
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,470
−HK$2,981/mo
Today · 4.125%
HK$115,451
baseline
▲ 0.50% · 4.625%
HK$121,536
+HK$6,085/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,902/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,588
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,526
−HK$4,000/mo
Today · 4.125%
HK$134,526
baseline
▲ 0.50% · 4.625%
HK$142,712
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,052/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,828
−HK$7,608/mo
▼ 0.25% · 3.875%
HK$144,605
−HK$3,831/mo
Today · 4.125%
HK$148,436
baseline
▲ 0.50% · 4.625%
HK$156,261
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,872/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,310,767 · Scale 2, in force from 26 Feb 2026)