LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,387
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,576
−HK$2,225/mo
Today · 4.125%
HK$74,801
baseline
▲ 0.50% · 4.625%
HK$79,352
+HK$4,551/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$149,602/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,305
−HK$4,230/mo
▼ 0.25% · 3.875%
HK$80,405
−HK$2,130/mo
Today · 4.125%
HK$82,535
baseline
▲ 0.50% · 4.625%
HK$86,886
+HK$4,351/mo
Deposit HK$15.43M · loan HK$15.43M · min. income ≈ HK$165,070/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,464
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,092
−HK$2,669/mo
Today · 4.125%
HK$89,761
baseline
▲ 0.50% · 4.625%
HK$95,223
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,522/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,966
−HK$5,076/mo
▼ 0.25% · 3.875%
HK$96,486
−HK$2,556/mo
Today · 4.125%
HK$99,042
baseline
▲ 0.50% · 4.625%
HK$104,263
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,084/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,542
−HK$6,179/mo
▼ 0.25% · 3.875%
HK$101,607
−HK$3,114/mo
Today · 4.125%
HK$104,721
baseline
▲ 0.50% · 4.625%
HK$111,093
+HK$6,372/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,442/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,627
−HK$5,922/mo
▼ 0.25% · 3.875%
HK$112,567
−HK$2,982/mo
Today · 4.125%
HK$115,549
baseline
▲ 0.50% · 4.625%
HK$121,640
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,098/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,696
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,637
−HK$4,004/mo
Today · 4.125%
HK$134,641
baseline
▲ 0.50% · 4.625%
HK$142,834
+HK$8,193/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,282/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,948
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,729
−HK$3,834/mo
Today · 4.125%
HK$148,563
baseline
▲ 0.50% · 4.625%
HK$156,394
+HK$7,831/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,126/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,889 · Scale 2, in force from 26 Feb 2026)