LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,412
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,602
−HK$2,226/mo
Today · 4.125%
HK$74,828
baseline
▲ 0.50% · 4.625%
HK$79,381
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,656/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,333
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,434
−HK$2,131/mo
Today · 4.125%
HK$82,565
baseline
▲ 0.50% · 4.625%
HK$86,917
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,130/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,495
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,123
−HK$2,670/mo
Today · 4.125%
HK$89,793
baseline
▲ 0.50% · 4.625%
HK$95,257
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,586/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,999
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,520
−HK$2,558/mo
Today · 4.125%
HK$99,078
baseline
▲ 0.50% · 4.625%
HK$104,300
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,156/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,577
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,643
−HK$3,116/mo
Today · 4.125%
HK$104,759
baseline
▲ 0.50% · 4.625%
HK$111,133
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,518/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,666
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,607
−HK$2,984/mo
Today · 4.125%
HK$115,591
baseline
▲ 0.50% · 4.625%
HK$121,684
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,182/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,742
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,684
−HK$4,006/mo
Today · 4.125%
HK$134,690
baseline
▲ 0.50% · 4.625%
HK$142,885
+HK$8,195/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,380/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,999
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,781
−HK$3,836/mo
Today · 4.125%
HK$148,617
baseline
▲ 0.50% · 4.625%
HK$156,451
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,234/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,360 · Scale 2, in force from 26 Feb 2026)