LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,410
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$72,600
−HK$2,225/mo
Today · 4.125%
HK$74,825
baseline
▲ 0.50% · 4.625%
HK$79,378
+HK$4,553/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$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,330
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,431
−HK$2,131/mo
Today · 4.125%
HK$82,562
baseline
▲ 0.50% · 4.625%
HK$86,914
+HK$4,352/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$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,491
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,120
−HK$2,670/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$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,996
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,517
−HK$2,557/mo
Today · 4.125%
HK$99,074
baseline
▲ 0.50% · 4.625%
HK$104,297
+HK$5,223/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$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,573
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,640
−HK$3,115/mo
Today · 4.125%
HK$104,755
baseline
▲ 0.50% · 4.625%
HK$111,129
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$209,510/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,662
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,603
−HK$2,984/mo
Today · 4.125%
HK$115,587
baseline
▲ 0.50% · 4.625%
HK$121,679
+HK$6,092/mo
Deposit HK$9.26M · loan HK$21.61M · min. income ≈ HK$231,174/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,737
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,679
−HK$4,006/mo
Today · 4.125%
HK$134,685
baseline
▲ 0.50% · 4.625%
HK$142,880
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,370/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,994
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$144,775
−HK$3,836/mo
Today · 4.125%
HK$148,611
baseline
▲ 0.50% · 4.625%
HK$156,445
+HK$7,834/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$1,312,311 · Scale 2, in force from 26 Feb 2026)