LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,335
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,523
−HK$2,223/mo
Today · 4.125%
HK$74,746
baseline
▲ 0.50% · 4.625%
HK$79,294
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,492/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,247
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,346
−HK$2,129/mo
Today · 4.125%
HK$82,475
baseline
▲ 0.50% · 4.625%
HK$86,822
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,950/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,402
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,028
−HK$2,667/mo
Today · 4.125%
HK$89,695
baseline
▲ 0.50% · 4.625%
HK$95,153
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,390/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,897
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$96,415
−HK$2,555/mo
Today · 4.125%
HK$98,970
baseline
▲ 0.50% · 4.625%
HK$104,187
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,940/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,470
−HK$6,174/mo
▼ 0.25% · 3.875%
HK$101,532
−HK$3,112/mo
Today · 4.125%
HK$104,644
baseline
▲ 0.50% · 4.625%
HK$111,012
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,288/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,546
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,484
−HK$2,981/mo
Today · 4.125%
HK$115,465
baseline
▲ 0.50% · 4.625%
HK$121,551
+HK$6,086/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,930/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,604
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,542
−HK$4,001/mo
Today · 4.125%
HK$134,543
baseline
▲ 0.50% · 4.625%
HK$142,729
+HK$8,186/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,086/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,845
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,623
−HK$3,832/mo
Today · 4.125%
HK$148,455
baseline
▲ 0.50% · 4.625%
HK$156,280
+HK$7,825/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,910/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,310,929 · Scale 2, in force from 26 Feb 2026)