LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,422
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,613
−HK$2,225/mo
Today · 4.125%
HK$74,838
baseline
▲ 0.50% · 4.625%
HK$79,392
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,676/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,344
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$80,445
−HK$2,131/mo
Today · 4.125%
HK$82,576
baseline
▲ 0.50% · 4.625%
HK$86,929
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,152/mo (50% DSR)
Upfront cash ≈ HK$16.75M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,506
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,135
−HK$2,671/mo
Today · 4.125%
HK$89,806
baseline
▲ 0.50% · 4.625%
HK$95,270
+HK$5,464/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,612/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,013
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$96,534
−HK$2,558/mo
Today · 4.125%
HK$99,092
baseline
▲ 0.50% · 4.625%
HK$104,315
+HK$5,223/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,184/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,591
−HK$6,182/mo
▼ 0.25% · 3.875%
HK$101,658
−HK$3,115/mo
Today · 4.125%
HK$104,773
baseline
▲ 0.50% · 4.625%
HK$111,149
+HK$6,376/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,546/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,681
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$112,623
−HK$2,984/mo
Today · 4.125%
HK$115,607
baseline
▲ 0.50% · 4.625%
HK$121,701
+HK$6,094/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,214/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,760
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,703
−HK$4,006/mo
Today · 4.125%
HK$134,709
baseline
▲ 0.50% · 4.625%
HK$142,905
+HK$8,196/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,418/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,019
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$144,801
−HK$3,837/mo
Today · 4.125%
HK$148,638
baseline
▲ 0.50% · 4.625%
HK$156,473
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,276/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,544 · Scale 2, in force from 26 Feb 2026)