LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,448
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$72,639
−HK$2,226/mo
Today · 4.125%
HK$74,865
baseline
▲ 0.50% · 4.625%
HK$79,421
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,730/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,372
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,474
−HK$2,133/mo
Today · 4.125%
HK$82,607
baseline
▲ 0.50% · 4.625%
HK$86,961
+HK$4,354/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,214/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,537
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,167
−HK$2,671/mo
Today · 4.125%
HK$89,838
baseline
▲ 0.50% · 4.625%
HK$95,305
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,676/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,047
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,569
−HK$2,559/mo
Today · 4.125%
HK$99,128
baseline
▲ 0.50% · 4.625%
HK$104,353
+HK$5,225/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,256/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,627
−HK$6,184/mo
▼ 0.25% · 3.875%
HK$101,695
−HK$3,116/mo
Today · 4.125%
HK$104,811
baseline
▲ 0.50% · 4.625%
HK$111,189
+HK$6,378/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,622/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,721
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,664
−HK$2,985/mo
Today · 4.125%
HK$115,649
baseline
▲ 0.50% · 4.625%
HK$121,745
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,298/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,806
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$130,750
−HK$4,008/mo
Today · 4.125%
HK$134,758
baseline
▲ 0.50% · 4.625%
HK$142,957
+HK$8,199/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,516/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,070
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$144,854
−HK$3,838/mo
Today · 4.125%
HK$148,692
baseline
▲ 0.50% · 4.625%
HK$156,530
+HK$7,838/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,384/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,022 · Scale 2, in force from 26 Feb 2026)