LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,350
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,538
−HK$2,224/mo
Today · 4.125%
HK$74,762
baseline
▲ 0.50% · 4.625%
HK$79,311
+HK$4,549/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,524/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,264
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,363
−HK$2,129/mo
Today · 4.125%
HK$82,492
baseline
▲ 0.50% · 4.625%
HK$86,840
+HK$4,348/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$164,984/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,420
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,046
−HK$2,668/mo
Today · 4.125%
HK$89,714
baseline
▲ 0.50% · 4.625%
HK$95,173
+HK$5,459/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,428/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,917
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,435
−HK$2,556/mo
Today · 4.125%
HK$98,991
baseline
▲ 0.50% · 4.625%
HK$104,209
+HK$5,218/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,982/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,490
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,554
−HK$3,112/mo
Today · 4.125%
HK$104,666
baseline
▲ 0.50% · 4.625%
HK$111,035
+HK$6,369/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,332/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,569
−HK$5,920/mo
▼ 0.25% · 3.875%
HK$112,508
−HK$2,981/mo
Today · 4.125%
HK$115,489
baseline
▲ 0.50% · 4.625%
HK$121,577
+HK$6,088/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$230,978/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,630
−HK$7,941/mo
▼ 0.25% · 3.875%
HK$130,569
−HK$4,002/mo
Today · 4.125%
HK$134,571
baseline
▲ 0.50% · 4.625%
HK$142,759
+HK$8,188/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,142/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,875
−HK$7,611/mo
▼ 0.25% · 3.875%
HK$144,653
−HK$3,833/mo
Today · 4.125%
HK$148,486
baseline
▲ 0.50% · 4.625%
HK$156,313
+HK$7,827/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$296,972/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,204 · Scale 2, in force from 26 Feb 2026)