LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,400
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$72,589
−HK$2,225/mo
Today · 4.125%
HK$74,814
baseline
▲ 0.50% · 4.625%
HK$79,366
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,628/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,319
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,419
−HK$2,131/mo
Today · 4.125%
HK$82,550
baseline
▲ 0.50% · 4.625%
HK$86,901
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,100/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,479
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,107
−HK$2,670/mo
Today · 4.125%
HK$89,777
baseline
▲ 0.50% · 4.625%
HK$95,240
+HK$5,463/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$179,554/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,983
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,503
−HK$2,557/mo
Today · 4.125%
HK$99,060
baseline
▲ 0.50% · 4.625%
HK$104,282
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.52M · min. income ≈ HK$198,120/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,559
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,625
−HK$3,115/mo
Today · 4.125%
HK$104,740
baseline
▲ 0.50% · 4.625%
HK$111,113
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,480/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,646
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,587
−HK$2,983/mo
Today · 4.125%
HK$115,570
baseline
▲ 0.50% · 4.625%
HK$121,662
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,140/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,719
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,661
−HK$4,005/mo
Today · 4.125%
HK$134,666
baseline
▲ 0.50% · 4.625%
HK$142,860
+HK$8,194/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,332/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,974
−HK$7,616/mo
▼ 0.25% · 3.875%
HK$144,755
−HK$3,835/mo
Today · 4.125%
HK$148,590
baseline
▲ 0.50% · 4.625%
HK$156,423
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,180/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,125 · Scale 2, in force from 26 Feb 2026)