LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,407
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,597
−HK$2,225/mo
Today · 4.125%
HK$74,822
baseline
▲ 0.50% · 4.625%
HK$79,375
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,644/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,327
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,428
−HK$2,131/mo
Today · 4.125%
HK$82,559
baseline
▲ 0.50% · 4.625%
HK$86,910
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,118/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,488
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,116
−HK$2,670/mo
Today · 4.125%
HK$89,786
baseline
▲ 0.50% · 4.625%
HK$95,250
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,572/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,992
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,513
−HK$2,557/mo
Today · 4.125%
HK$99,070
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,140/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,569
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,636
−HK$3,115/mo
Today · 4.125%
HK$104,751
baseline
▲ 0.50% · 4.625%
HK$111,124
+HK$6,373/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,502/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,658
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,599
−HK$2,983/mo
Today · 4.125%
HK$115,582
baseline
▲ 0.50% · 4.625%
HK$121,675
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,164/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,732
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,674
−HK$4,005/mo
Today · 4.125%
HK$134,679
baseline
▲ 0.50% · 4.625%
HK$142,874
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,358/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,988
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,770
−HK$3,835/mo
Today · 4.125%
HK$148,605
baseline
▲ 0.50% · 4.625%
HK$156,439
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,210/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,260 · Scale 2, in force from 26 Feb 2026)