LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,380
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$72,569
−HK$2,224/mo
Today · 4.125%
HK$74,793
baseline
▲ 0.50% · 4.625%
HK$79,344
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,586/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,297
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,397
−HK$2,130/mo
Today · 4.125%
HK$82,527
baseline
▲ 0.50% · 4.625%
HK$86,877
+HK$4,350/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,054/mo (50% DSR)
Upfront cash ≈ HK$16.74M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,456
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,083
−HK$2,669/mo
Today · 4.125%
HK$89,752
baseline
▲ 0.50% · 4.625%
HK$95,213
+HK$5,461/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,504/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,956
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,476
−HK$2,557/mo
Today · 4.125%
HK$99,033
baseline
▲ 0.50% · 4.625%
HK$104,253
+HK$5,220/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,066/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,532
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,597
−HK$3,114/mo
Today · 4.125%
HK$104,711
baseline
▲ 0.50% · 4.625%
HK$111,082
+HK$6,371/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,422/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,616
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,556
−HK$2,982/mo
Today · 4.125%
HK$115,538
baseline
▲ 0.50% · 4.625%
HK$121,628
+HK$6,090/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,076/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,684
−HK$7,944/mo
▼ 0.25% · 3.875%
HK$130,624
−HK$4,004/mo
Today · 4.125%
HK$134,628
baseline
▲ 0.50% · 4.625%
HK$142,820
+HK$8,192/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,256/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,935
−HK$7,614/mo
▼ 0.25% · 3.875%
HK$144,714
−HK$3,835/mo
Today · 4.125%
HK$148,549
baseline
▲ 0.50% · 4.625%
HK$156,379
+HK$7,830/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,098/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,759 · Scale 2, in force from 26 Feb 2026)