LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,408
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,598
−HK$2,226/mo
Today · 4.125%
HK$74,824
baseline
▲ 0.50% · 4.625%
HK$79,376
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,648/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,329
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$80,429
−HK$2,131/mo
Today · 4.125%
HK$82,560
baseline
▲ 0.50% · 4.625%
HK$86,912
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,120/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,490
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,118
−HK$2,670/mo
Today · 4.125%
HK$89,788
baseline
▲ 0.50% · 4.625%
HK$95,252
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,576/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,994
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,515
−HK$2,557/mo
Today · 4.125%
HK$99,072
baseline
▲ 0.50% · 4.625%
HK$104,295
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,144/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,572
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,638
−HK$3,115/mo
Today · 4.125%
HK$104,753
baseline
▲ 0.50% · 4.625%
HK$111,127
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,506/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,660
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,601
−HK$2,984/mo
Today · 4.125%
HK$115,585
baseline
▲ 0.50% · 4.625%
HK$121,677
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,170/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,735
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,677
−HK$4,005/mo
Today · 4.125%
HK$134,682
baseline
▲ 0.50% · 4.625%
HK$142,877
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,364/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,991
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,773
−HK$3,836/mo
Today · 4.125%
HK$148,609
baseline
▲ 0.50% · 4.625%
HK$156,442
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,218/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,289 · Scale 2, in force from 26 Feb 2026)