LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,329
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,517
−HK$2,223/mo
Today · 4.125%
HK$74,740
baseline
▲ 0.50% · 4.625%
HK$79,287
+HK$4,547/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,480/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,241
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,339
−HK$2,129/mo
Today · 4.125%
HK$82,468
baseline
▲ 0.50% · 4.625%
HK$86,815
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,936/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,395
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,020
−HK$2,668/mo
Today · 4.125%
HK$89,688
baseline
▲ 0.50% · 4.625%
HK$95,145
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,376/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,889
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,407
−HK$2,554/mo
Today · 4.125%
HK$98,961
baseline
▲ 0.50% · 4.625%
HK$104,178
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,922/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,461
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,524
−HK$3,112/mo
Today · 4.125%
HK$104,636
baseline
▲ 0.50% · 4.625%
HK$111,002
+HK$6,366/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,272/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,537
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,475
−HK$2,980/mo
Today · 4.125%
HK$115,455
baseline
▲ 0.50% · 4.625%
HK$121,541
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,910/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,593
−HK$7,938/mo
▼ 0.25% · 3.875%
HK$130,531
−HK$4,000/mo
Today · 4.125%
HK$134,531
baseline
▲ 0.50% · 4.625%
HK$142,717
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,062/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,833
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,610
−HK$3,832/mo
Today · 4.125%
HK$148,442
baseline
▲ 0.50% · 4.625%
HK$156,267
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,884/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,818 · Scale 2, in force from 26 Feb 2026)