LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,413
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,603
−HK$2,226/mo
Today · 4.125%
HK$74,829
baseline
▲ 0.50% · 4.625%
HK$79,382
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,658/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,334
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,435
−HK$2,131/mo
Today · 4.125%
HK$82,566
baseline
▲ 0.50% · 4.625%
HK$86,918
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,132/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,496
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$87,124
−HK$2,670/mo
Today · 4.125%
HK$89,794
baseline
▲ 0.50% · 4.625%
HK$95,258
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,588/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,001
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$96,522
−HK$2,557/mo
Today · 4.125%
HK$99,079
baseline
▲ 0.50% · 4.625%
HK$104,302
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,158/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,578
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,645
−HK$3,115/mo
Today · 4.125%
HK$104,760
baseline
▲ 0.50% · 4.625%
HK$111,134
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,520/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,667
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,609
−HK$2,983/mo
Today · 4.125%
HK$115,592
baseline
▲ 0.50% · 4.625%
HK$121,685
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,184/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,743
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,686
−HK$4,005/mo
Today · 4.125%
HK$134,691
baseline
▲ 0.50% · 4.625%
HK$142,887
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,382/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,001
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,782
−HK$3,837/mo
Today · 4.125%
HK$148,619
baseline
▲ 0.50% · 4.625%
HK$156,453
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,238/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,377 · Scale 2, in force from 26 Feb 2026)