LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,443
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,634
−HK$2,226/mo
Today · 4.125%
HK$74,860
baseline
▲ 0.50% · 4.625%
HK$79,415
+HK$4,555/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,720/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,367
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,469
−HK$2,132/mo
Today · 4.125%
HK$82,601
baseline
▲ 0.50% · 4.625%
HK$86,955
+HK$4,354/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,202/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,531
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,161
−HK$2,671/mo
Today · 4.125%
HK$89,832
baseline
▲ 0.50% · 4.625%
HK$95,298
+HK$5,466/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,664/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,040
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,563
−HK$2,558/mo
Today · 4.125%
HK$99,121
baseline
▲ 0.50% · 4.625%
HK$104,346
+HK$5,225/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,242/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,620
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,688
−HK$3,116/mo
Today · 4.125%
HK$104,804
baseline
▲ 0.50% · 4.625%
HK$111,182
+HK$6,378/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$209,608/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,714
−HK$5,927/mo
▼ 0.25% · 3.875%
HK$112,656
−HK$2,985/mo
Today · 4.125%
HK$115,641
baseline
▲ 0.50% · 4.625%
HK$121,737
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.62M · min. income ≈ HK$231,282/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,797
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$130,741
−HK$4,008/mo
Today · 4.125%
HK$134,749
baseline
▲ 0.50% · 4.625%
HK$142,948
+HK$8,199/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$269,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,061
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,844
−HK$3,838/mo
Today · 4.125%
HK$148,682
baseline
▲ 0.50% · 4.625%
HK$156,519
+HK$7,837/mo
Deposit HK$3.09M · loan HK$27.80M · min. income ≈ HK$297,364/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,312,933 · Scale 2, in force from 26 Feb 2026)