LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,334
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$72,521
−HK$2,223/mo
Today · 4.125%
HK$74,744
baseline
▲ 0.50% · 4.625%
HK$79,292
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,488/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,245
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,344
−HK$2,129/mo
Today · 4.125%
HK$82,473
baseline
▲ 0.50% · 4.625%
HK$86,820
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,946/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,400
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,026
−HK$2,667/mo
Today · 4.125%
HK$89,693
baseline
▲ 0.50% · 4.625%
HK$95,151
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,386/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,895
−HK$5,072/mo
▼ 0.25% · 3.875%
HK$96,413
−HK$2,554/mo
Today · 4.125%
HK$98,967
baseline
▲ 0.50% · 4.625%
HK$104,184
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,934/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,467
−HK$6,175/mo
▼ 0.25% · 3.875%
HK$101,530
−HK$3,112/mo
Today · 4.125%
HK$104,642
baseline
▲ 0.50% · 4.625%
HK$111,009
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,284/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,544
−HK$5,918/mo
▼ 0.25% · 3.875%
HK$112,482
−HK$2,980/mo
Today · 4.125%
HK$115,462
baseline
▲ 0.50% · 4.625%
HK$121,548
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,924/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,601
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,539
−HK$4,001/mo
Today · 4.125%
HK$134,540
baseline
▲ 0.50% · 4.625%
HK$142,726
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,080/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,842
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$144,619
−HK$3,832/mo
Today · 4.125%
HK$148,451
baseline
▲ 0.50% · 4.625%
HK$156,276
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,902/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,897 · Scale 2, in force from 26 Feb 2026)