LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,427
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,618
−HK$2,226/mo
Today · 4.125%
HK$74,844
baseline
▲ 0.50% · 4.625%
HK$79,398
+HK$4,554/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,688/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,350
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$80,451
−HK$2,132/mo
Today · 4.125%
HK$82,583
baseline
▲ 0.50% · 4.625%
HK$86,936
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,166/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,513
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$87,141
−HK$2,671/mo
Today · 4.125%
HK$89,812
baseline
▲ 0.50% · 4.625%
HK$95,277
+HK$5,465/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,624/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,019
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,541
−HK$2,558/mo
Today · 4.125%
HK$99,099
baseline
▲ 0.50% · 4.625%
HK$104,323
+HK$5,224/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,198/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,598
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,665
−HK$3,116/mo
Today · 4.125%
HK$104,781
baseline
▲ 0.50% · 4.625%
HK$111,157
+HK$6,376/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,562/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,689
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,631
−HK$2,985/mo
Today · 4.125%
HK$115,616
baseline
▲ 0.50% · 4.625%
HK$121,710
+HK$6,094/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,232/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,769
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,712
−HK$4,006/mo
Today · 4.125%
HK$134,718
baseline
▲ 0.50% · 4.625%
HK$142,916
+HK$8,198/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,436/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,029
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,811
−HK$3,838/mo
Today · 4.125%
HK$148,649
baseline
▲ 0.50% · 4.625%
HK$156,484
+HK$7,835/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,298/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,640 · Scale 2, in force from 26 Feb 2026)