LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,430
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$72,621
−HK$2,225/mo
Today · 4.125%
HK$74,846
baseline
▲ 0.50% · 4.625%
HK$79,401
+HK$4,555/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$149,692/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,352
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,454
−HK$2,132/mo
Today · 4.125%
HK$82,586
baseline
▲ 0.50% · 4.625%
HK$86,939
+HK$4,353/mo
Deposit HK$15.44M · loan HK$15.44M · min. income ≈ HK$165,172/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,516
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$87,145
−HK$2,671/mo
Today · 4.125%
HK$89,816
baseline
▲ 0.50% · 4.625%
HK$95,281
+HK$5,465/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$179,632/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,023
−HK$5,080/mo
▼ 0.25% · 3.875%
HK$96,545
−HK$2,558/mo
Today · 4.125%
HK$99,103
baseline
▲ 0.50% · 4.625%
HK$104,327
+HK$5,224/mo
Deposit HK$12.35M · loan HK$18.53M · min. income ≈ HK$198,206/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,602
−HK$6,183/mo
▼ 0.25% · 3.875%
HK$101,669
−HK$3,116/mo
Today · 4.125%
HK$104,785
baseline
▲ 0.50% · 4.625%
HK$111,161
+HK$6,376/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,570/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,693
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,635
−HK$2,985/mo
Today · 4.125%
HK$115,620
baseline
▲ 0.50% · 4.625%
HK$121,714
+HK$6,094/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,240/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,774
−HK$7,949/mo
▼ 0.25% · 3.875%
HK$130,717
−HK$4,006/mo
Today · 4.125%
HK$134,723
baseline
▲ 0.50% · 4.625%
HK$142,921
+HK$8,198/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,446/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,034
−HK$7,620/mo
▼ 0.25% · 3.875%
HK$144,817
−HK$3,837/mo
Today · 4.125%
HK$148,654
baseline
▲ 0.50% · 4.625%
HK$156,490
+HK$7,836/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,308/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,689 · Scale 2, in force from 26 Feb 2026)