LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,395
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,585
−HK$2,224/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$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,314
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,414
−HK$2,131/mo
Today · 4.125%
HK$82,545
baseline
▲ 0.50% · 4.625%
HK$86,896
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,090/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,474
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$87,102
−HK$2,669/mo
Today · 4.125%
HK$89,771
baseline
▲ 0.50% · 4.625%
HK$95,234
+HK$5,463/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$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,977
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,497
−HK$2,557/mo
Today · 4.125%
HK$99,054
baseline
▲ 0.50% · 4.625%
HK$104,275
+HK$5,221/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,108/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,553
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,619
−HK$3,114/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$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,639
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,580
−HK$2,983/mo
Today · 4.125%
HK$115,563
baseline
▲ 0.50% · 4.625%
HK$121,654
+HK$6,091/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,126/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,711
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,652
−HK$4,005/mo
Today · 4.125%
HK$134,657
baseline
▲ 0.50% · 4.625%
HK$142,851
+HK$8,194/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$269,314/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,965
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,745
−HK$3,836/mo
Today · 4.125%
HK$148,581
baseline
▲ 0.50% · 4.625%
HK$156,413
+HK$7,832/mo
Deposit HK$3.09M · loan HK$27.78M · min. income ≈ HK$297,162/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,041 · Scale 2, in force from 26 Feb 2026)