LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,373
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,562
−HK$2,224/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$79,336
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,289
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,389
−HK$2,130/mo
Today · 4.125%
HK$82,519
baseline
▲ 0.50% · 4.625%
HK$86,868
+HK$4,349/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,038/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,447
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,074
−HK$2,669/mo
Today · 4.125%
HK$89,743
baseline
▲ 0.50% · 4.625%
HK$95,204
+HK$5,461/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$179,486/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,947
−HK$5,075/mo
▼ 0.25% · 3.875%
HK$96,466
−HK$2,556/mo
Today · 4.125%
HK$99,022
baseline
▲ 0.50% · 4.625%
HK$104,242
+HK$5,220/mo
Deposit HK$12.34M · loan HK$18.52M · min. income ≈ HK$198,044/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,522
−HK$6,178/mo
▼ 0.25% · 3.875%
HK$101,586
−HK$3,114/mo
Today · 4.125%
HK$104,700
baseline
▲ 0.50% · 4.625%
HK$111,071
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,400/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,605
−HK$5,921/mo
▼ 0.25% · 3.875%
HK$112,544
−HK$2,982/mo
Today · 4.125%
HK$115,526
baseline
▲ 0.50% · 4.625%
HK$121,616
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,052/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,671
−HK$7,943/mo
▼ 0.25% · 3.875%
HK$130,611
−HK$4,003/mo
Today · 4.125%
HK$134,614
baseline
▲ 0.50% · 4.625%
HK$142,805
+HK$8,191/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,228/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,920
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,700
−HK$3,834/mo
Today · 4.125%
HK$148,534
baseline
▲ 0.50% · 4.625%
HK$156,363
+HK$7,829/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,068/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,626 · Scale 2, in force from 26 Feb 2026)