LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,341
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,529
−HK$2,223/mo
Today · 4.125%
HK$74,752
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$4,548/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,504/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,254
−HK$4,227/mo
▼ 0.25% · 3.875%
HK$80,352
−HK$2,129/mo
Today · 4.125%
HK$82,481
baseline
▲ 0.50% · 4.625%
HK$86,829
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,962/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,409
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,035
−HK$2,667/mo
Today · 4.125%
HK$89,702
baseline
▲ 0.50% · 4.625%
HK$95,160
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,404/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,904
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,423
−HK$2,555/mo
Today · 4.125%
HK$98,978
baseline
▲ 0.50% · 4.625%
HK$104,195
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,956/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,477
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,540
−HK$3,113/mo
Today · 4.125%
HK$104,653
baseline
▲ 0.50% · 4.625%
HK$111,020
+HK$6,367/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,306/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,555
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,493
−HK$2,981/mo
Today · 4.125%
HK$115,474
baseline
▲ 0.50% · 4.625%
HK$121,561
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,948/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,614
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,552
−HK$4,001/mo
Today · 4.125%
HK$134,553
baseline
▲ 0.50% · 4.625%
HK$142,741
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,106/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,856
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,634
−HK$3,832/mo
Today · 4.125%
HK$148,466
baseline
▲ 0.50% · 4.625%
HK$156,292
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,932/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,031 · Scale 2, in force from 26 Feb 2026)