LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,395
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,584
−HK$2,225/mo
Today · 4.125%
HK$74,809
baseline
▲ 0.50% · 4.625%
HK$79,361
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,618/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,313
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,414
−HK$2,130/mo
Today · 4.125%
HK$82,544
baseline
▲ 0.50% · 4.625%
HK$86,896
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,088/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,101
−HK$2,670/mo
Today · 4.125%
HK$89,771
baseline
▲ 0.50% · 4.625%
HK$95,233
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,542/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,976
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,497
−HK$2,556/mo
Today · 4.125%
HK$99,053
baseline
▲ 0.50% · 4.625%
HK$104,275
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,106/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,553
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,618
−HK$3,115/mo
Today · 4.125%
HK$104,733
baseline
▲ 0.50% · 4.625%
HK$111,106
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,466/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,639
−HK$5,923/mo
▼ 0.25% · 3.875%
HK$112,579
−HK$2,983/mo
Today · 4.125%
HK$115,562
baseline
▲ 0.50% · 4.625%
HK$121,654
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,124/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,711
−HK$7,945/mo
▼ 0.25% · 3.875%
HK$130,652
−HK$4,004/mo
Today · 4.125%
HK$134,656
baseline
▲ 0.50% · 4.625%
HK$142,850
+HK$8,194/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,312/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,964
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,745
−HK$3,835/mo
Today · 4.125%
HK$148,580
baseline
▲ 0.50% · 4.625%
HK$156,412
+HK$7,832/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,160/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,036 · Scale 2, in force from 26 Feb 2026)