LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,367
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$72,556
−HK$2,223/mo
Today · 4.125%
HK$74,779
baseline
▲ 0.50% · 4.625%
HK$79,329
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,558/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,282
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,382
−HK$2,130/mo
Today · 4.125%
HK$82,512
baseline
▲ 0.50% · 4.625%
HK$86,861
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,024/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,440
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$87,067
−HK$2,668/mo
Today · 4.125%
HK$89,735
baseline
▲ 0.50% · 4.625%
HK$95,195
+HK$5,460/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$179,470/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,939
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,458
−HK$2,556/mo
Today · 4.125%
HK$99,014
baseline
▲ 0.50% · 4.625%
HK$104,233
+HK$5,219/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$198,028/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,513
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,578
−HK$3,113/mo
Today · 4.125%
HK$104,691
baseline
▲ 0.50% · 4.625%
HK$111,061
+HK$6,370/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,382/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,595
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,534
−HK$2,982/mo
Today · 4.125%
HK$115,516
baseline
▲ 0.50% · 4.625%
HK$121,605
+HK$6,089/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,032/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,660
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,600
−HK$4,003/mo
Today · 4.125%
HK$134,603
baseline
▲ 0.50% · 4.625%
HK$142,793
+HK$8,190/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$269,206/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,908
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,687
−HK$3,834/mo
Today · 4.125%
HK$148,521
baseline
▲ 0.50% · 4.625%
HK$156,350
+HK$7,829/mo
Deposit HK$3.09M · loan HK$27.77M · min. income ≈ HK$297,042/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,513 · Scale 2, in force from 26 Feb 2026)