LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,330
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,518
−HK$2,222/mo
Today · 4.125%
HK$74,740
baseline
▲ 0.50% · 4.625%
HK$79,288
+HK$4,548/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$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,242
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,340
−HK$2,129/mo
Today · 4.125%
HK$82,469
baseline
▲ 0.50% · 4.625%
HK$86,816
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,938/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,396
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,021
−HK$2,668/mo
Today · 4.125%
HK$89,689
baseline
▲ 0.50% · 4.625%
HK$95,146
+HK$5,457/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,378/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,890
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,408
−HK$2,555/mo
Today · 4.125%
HK$98,963
baseline
▲ 0.50% · 4.625%
HK$104,179
+HK$5,216/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,926/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,462
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,525
−HK$3,112/mo
Today · 4.125%
HK$104,637
baseline
▲ 0.50% · 4.625%
HK$111,004
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,274/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,538
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,476
−HK$2,980/mo
Today · 4.125%
HK$115,456
baseline
▲ 0.50% · 4.625%
HK$121,542
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,912/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,594
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,532
−HK$4,001/mo
Today · 4.125%
HK$134,533
baseline
▲ 0.50% · 4.625%
HK$142,719
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,066/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,835
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,612
−HK$3,832/mo
Today · 4.125%
HK$148,444
baseline
▲ 0.50% · 4.625%
HK$156,268
+HK$7,824/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,888/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,832 · Scale 2, in force from 26 Feb 2026)