LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,405
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,595
−HK$2,225/mo
Today · 4.125%
HK$74,820
baseline
▲ 0.50% · 4.625%
HK$79,373
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,640/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,325
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,426
−HK$2,131/mo
Today · 4.125%
HK$82,557
baseline
▲ 0.50% · 4.625%
HK$86,909
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,114/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,486
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,114
−HK$2,671/mo
Today · 4.125%
HK$89,785
baseline
▲ 0.50% · 4.625%
HK$95,248
+HK$5,463/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,570/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,990
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,511
−HK$2,557/mo
Today · 4.125%
HK$99,068
baseline
▲ 0.50% · 4.625%
HK$104,290
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,136/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,568
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,634
−HK$3,115/mo
Today · 4.125%
HK$104,749
baseline
▲ 0.50% · 4.625%
HK$111,122
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,498/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,655
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,596
−HK$2,984/mo
Today · 4.125%
HK$115,580
baseline
▲ 0.50% · 4.625%
HK$121,672
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,160/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,730
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,672
−HK$4,005/mo
Today · 4.125%
HK$134,677
baseline
▲ 0.50% · 4.625%
HK$142,872
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,354/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,986
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,767
−HK$3,836/mo
Today · 4.125%
HK$148,603
baseline
▲ 0.50% · 4.625%
HK$156,436
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,206/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,234 · Scale 2, in force from 26 Feb 2026)