LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,398
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,587
−HK$2,225/mo
Today · 4.125%
HK$74,812
baseline
▲ 0.50% · 4.625%
HK$79,364
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,624/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,317
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,417
−HK$2,131/mo
Today · 4.125%
HK$82,548
baseline
▲ 0.50% · 4.625%
HK$86,899
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,096/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,477
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,105
−HK$2,670/mo
Today · 4.125%
HK$89,775
baseline
▲ 0.50% · 4.625%
HK$95,237
+HK$5,462/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,550/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,980
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,501
−HK$2,556/mo
Today · 4.125%
HK$99,057
baseline
▲ 0.50% · 4.625%
HK$104,279
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,114/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,557
−HK$6,180/mo
▼ 0.25% · 3.875%
HK$101,622
−HK$3,115/mo
Today · 4.125%
HK$104,737
baseline
▲ 0.50% · 4.625%
HK$111,110
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,474/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,643
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,584
−HK$2,983/mo
Today · 4.125%
HK$115,567
baseline
▲ 0.50% · 4.625%
HK$121,659
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,134/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,716
−HK$7,946/mo
▼ 0.25% · 3.875%
HK$130,657
−HK$4,005/mo
Today · 4.125%
HK$134,662
baseline
▲ 0.50% · 4.625%
HK$142,856
+HK$8,194/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,324/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,970
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,751
−HK$3,835/mo
Today · 4.125%
HK$148,586
baseline
▲ 0.50% · 4.625%
HK$156,418
+HK$7,832/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,172/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,090 · Scale 2, in force from 26 Feb 2026)