LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,414
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,604
−HK$2,226/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$79,383
+HK$4,553/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,335
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,436
−HK$2,131/mo
Today · 4.125%
HK$82,567
baseline
▲ 0.50% · 4.625%
HK$86,919
+HK$4,352/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,134/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,497
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,125
−HK$2,671/mo
Today · 4.125%
HK$89,796
baseline
▲ 0.50% · 4.625%
HK$95,260
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,592/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,002
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,523
−HK$2,558/mo
Today · 4.125%
HK$99,081
baseline
▲ 0.50% · 4.625%
HK$104,303
+HK$5,222/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,162/mo (50% DSR)
Upfront cash ≈ HK$13.66M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,580
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,646
−HK$3,116/mo
Today · 4.125%
HK$104,762
baseline
▲ 0.50% · 4.625%
HK$111,136
+HK$6,374/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$209,524/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,669
−HK$5,925/mo
▼ 0.25% · 3.875%
HK$112,610
−HK$2,984/mo
Today · 4.125%
HK$115,594
baseline
▲ 0.50% · 4.625%
HK$121,687
+HK$6,093/mo
Deposit HK$9.26M · loan HK$21.62M · min. income ≈ HK$231,188/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,745
−HK$7,948/mo
▼ 0.25% · 3.875%
HK$130,688
−HK$4,005/mo
Today · 4.125%
HK$134,693
baseline
▲ 0.50% · 4.625%
HK$142,889
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$269,386/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,003
−HK$7,618/mo
▼ 0.25% · 3.875%
HK$144,785
−HK$3,836/mo
Today · 4.125%
HK$148,621
baseline
▲ 0.50% · 4.625%
HK$156,455
+HK$7,834/mo
Deposit HK$3.09M · loan HK$27.79M · min. income ≈ HK$297,242/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,397 · Scale 2, in force from 26 Feb 2026)