LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,458
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,650
−HK$2,227/mo
Today · 4.125%
HK$74,877
baseline
▲ 0.50% · 4.625%
HK$79,433
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,754/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,384
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,486
−HK$2,133/mo
Today · 4.125%
HK$82,619
baseline
▲ 0.50% · 4.625%
HK$86,974
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,238/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,550
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,180
−HK$2,672/mo
Today · 4.125%
HK$89,852
baseline
▲ 0.50% · 4.625%
HK$95,319
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,704/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,061
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,583
−HK$2,560/mo
Today · 4.125%
HK$99,143
baseline
▲ 0.50% · 4.625%
HK$104,369
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,286/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,641
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,710
−HK$3,117/mo
Today · 4.125%
HK$104,827
baseline
▲ 0.50% · 4.625%
HK$111,206
+HK$6,379/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,654/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,738
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$112,681
−HK$2,985/mo
Today · 4.125%
HK$115,666
baseline
▲ 0.50% · 4.625%
HK$121,763
+HK$6,097/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,332/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,825
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,770
−HK$4,008/mo
Today · 4.125%
HK$134,778
baseline
▲ 0.50% · 4.625%
HK$142,979
+HK$8,201/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,556/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,091
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,875
−HK$3,839/mo
Today · 4.125%
HK$148,714
baseline
▲ 0.50% · 4.625%
HK$156,553
+HK$7,839/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,428/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,218 · Scale 2, in force from 26 Feb 2026)