LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,343
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,531
−HK$2,223/mo
Today · 4.125%
HK$74,754
baseline
▲ 0.50% · 4.625%
HK$79,303
+HK$4,549/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,508/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,256
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,355
−HK$2,129/mo
Today · 4.125%
HK$82,484
baseline
▲ 0.50% · 4.625%
HK$86,832
+HK$4,348/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,968/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,412
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$87,037
−HK$2,668/mo
Today · 4.125%
HK$89,705
baseline
▲ 0.50% · 4.625%
HK$95,163
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,410/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,907
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,426
−HK$2,555/mo
Today · 4.125%
HK$98,981
baseline
▲ 0.50% · 4.625%
HK$104,198
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,962/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,480
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,543
−HK$3,113/mo
Today · 4.125%
HK$104,656
baseline
▲ 0.50% · 4.625%
HK$111,024
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,312/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,558
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,497
−HK$2,980/mo
Today · 4.125%
HK$115,477
baseline
▲ 0.50% · 4.625%
HK$121,564
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,954/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,617
−HK$7,940/mo
▼ 0.25% · 3.875%
HK$130,556
−HK$4,001/mo
Today · 4.125%
HK$134,557
baseline
▲ 0.50% · 4.625%
HK$142,745
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,114/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,861
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,638
−HK$3,833/mo
Today · 4.125%
HK$148,471
baseline
▲ 0.50% · 4.625%
HK$156,297
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,942/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,071 · Scale 2, in force from 26 Feb 2026)