LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,375
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,564
−HK$2,224/mo
Today · 4.125%
HK$74,788
baseline
▲ 0.50% · 4.625%
HK$79,338
+HK$4,550/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,576/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,291
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,391
−HK$2,130/mo
Today · 4.125%
HK$82,521
baseline
▲ 0.50% · 4.625%
HK$86,871
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,042/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,449
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,076
−HK$2,669/mo
Today · 4.125%
HK$89,745
baseline
▲ 0.50% · 4.625%
HK$95,206
+HK$5,461/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,490/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,949
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,469
−HK$2,556/mo
Today · 4.125%
HK$99,025
baseline
▲ 0.50% · 4.625%
HK$104,245
+HK$5,220/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,050/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,524
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,589
−HK$3,114/mo
Today · 4.125%
HK$104,703
baseline
▲ 0.50% · 4.625%
HK$111,074
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$209,406/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,607
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,547
−HK$2,982/mo
Today · 4.125%
HK$115,529
baseline
▲ 0.50% · 4.625%
HK$121,619
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.60M · min. income ≈ HK$231,058/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,674
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,614
−HK$4,004/mo
Today · 4.125%
HK$134,618
baseline
▲ 0.50% · 4.625%
HK$142,809
+HK$8,191/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,236/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,924
−HK$7,613/mo
▼ 0.25% · 3.875%
HK$144,703
−HK$3,834/mo
Today · 4.125%
HK$148,537
baseline
▲ 0.50% · 4.625%
HK$156,367
+HK$7,830/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,074/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,658 · Scale 2, in force from 26 Feb 2026)