LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,448
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,640
−HK$2,226/mo
Today · 4.125%
HK$74,866
baseline
▲ 0.50% · 4.625%
HK$79,422
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,732/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,373
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$80,475
−HK$2,132/mo
Today · 4.125%
HK$82,607
baseline
▲ 0.50% · 4.625%
HK$86,962
+HK$4,355/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$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,538
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$87,168
−HK$2,671/mo
Today · 4.125%
HK$89,839
baseline
▲ 0.50% · 4.625%
HK$95,306
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,678/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,048
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$96,570
−HK$2,559/mo
Today · 4.125%
HK$99,129
baseline
▲ 0.50% · 4.625%
HK$104,354
+HK$5,225/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,258/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,628
−HK$6,185/mo
▼ 0.25% · 3.875%
HK$101,696
−HK$3,117/mo
Today · 4.125%
HK$104,813
baseline
▲ 0.50% · 4.625%
HK$111,190
+HK$6,377/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,626/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,722
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,665
−HK$2,985/mo
Today · 4.125%
HK$115,650
baseline
▲ 0.50% · 4.625%
HK$121,746
+HK$6,096/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,300/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,807
−HK$7,952/mo
▼ 0.25% · 3.875%
HK$130,752
−HK$4,007/mo
Today · 4.125%
HK$134,759
baseline
▲ 0.50% · 4.625%
HK$142,959
+HK$8,200/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,072
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$144,855
−HK$3,838/mo
Today · 4.125%
HK$148,693
baseline
▲ 0.50% · 4.625%
HK$156,531
+HK$7,838/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,386/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,036 · Scale 2, in force from 26 Feb 2026)