LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,392
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,582
−HK$2,225/mo
Today · 4.125%
HK$74,807
baseline
▲ 0.50% · 4.625%
HK$79,359
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,614/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,311
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,411
−HK$2,131/mo
Today · 4.125%
HK$82,542
baseline
▲ 0.50% · 4.625%
HK$86,893
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,084/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,471
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,098
−HK$2,670/mo
Today · 4.125%
HK$89,768
baseline
▲ 0.50% · 4.625%
HK$95,230
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,536/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,973
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,493
−HK$2,557/mo
Today · 4.125%
HK$99,050
baseline
▲ 0.50% · 4.625%
HK$104,271
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,100/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,549
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,615
−HK$3,114/mo
Today · 4.125%
HK$104,729
baseline
▲ 0.50% · 4.625%
HK$111,102
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,458/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,635
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,576
−HK$2,983/mo
Today · 4.125%
HK$115,559
baseline
▲ 0.50% · 4.625%
HK$121,650
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,118/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,706
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,648
−HK$4,004/mo
Today · 4.125%
HK$134,652
baseline
▲ 0.50% · 4.625%
HK$142,845
+HK$8,193/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,304/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,960
−HK$7,615/mo
▼ 0.25% · 3.875%
HK$144,740
−HK$3,835/mo
Today · 4.125%
HK$148,575
baseline
▲ 0.50% · 4.625%
HK$156,407
+HK$7,832/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,150/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,993 · Scale 2, in force from 26 Feb 2026)