LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,409
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,599
−HK$2,226/mo
Today · 4.125%
HK$74,825
baseline
▲ 0.50% · 4.625%
HK$79,377
+HK$4,552/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,650/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,330
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,430
−HK$2,132/mo
Today · 4.125%
HK$82,562
baseline
▲ 0.50% · 4.625%
HK$86,913
+HK$4,351/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,124/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,491
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,119
−HK$2,671/mo
Today · 4.125%
HK$89,790
baseline
▲ 0.50% · 4.625%
HK$95,253
+HK$5,463/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,580/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,996
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,516
−HK$2,558/mo
Today · 4.125%
HK$99,074
baseline
▲ 0.50% · 4.625%
HK$104,296
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,148/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,573
−HK$6,181/mo
▼ 0.25% · 3.875%
HK$101,639
−HK$3,115/mo
Today · 4.125%
HK$104,754
baseline
▲ 0.50% · 4.625%
HK$111,128
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,508/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,662
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$112,603
−HK$2,983/mo
Today · 4.125%
HK$115,586
baseline
▲ 0.50% · 4.625%
HK$121,679
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,172/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,737
−HK$7,947/mo
▼ 0.25% · 3.875%
HK$130,679
−HK$4,005/mo
Today · 4.125%
HK$134,684
baseline
▲ 0.50% · 4.625%
HK$142,879
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,368/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,993
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,775
−HK$3,836/mo
Today · 4.125%
HK$148,611
baseline
▲ 0.50% · 4.625%
HK$156,444
+HK$7,833/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,222/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,307 · Scale 2, in force from 26 Feb 2026)