LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,461
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$72,652
−HK$2,227/mo
Today · 4.125%
HK$74,879
baseline
▲ 0.50% · 4.625%
HK$79,435
+HK$4,556/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,758/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,387
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,489
−HK$2,133/mo
Today · 4.125%
HK$82,622
baseline
▲ 0.50% · 4.625%
HK$86,977
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,244/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,553
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$87,183
−HK$2,672/mo
Today · 4.125%
HK$89,855
baseline
▲ 0.50% · 4.625%
HK$95,322
+HK$5,467/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,710/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,064
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$96,587
−HK$2,559/mo
Today · 4.125%
HK$99,146
baseline
▲ 0.50% · 4.625%
HK$104,372
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,292/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,645
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,713
−HK$3,118/mo
Today · 4.125%
HK$104,831
baseline
▲ 0.50% · 4.625%
HK$111,209
+HK$6,378/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,662/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,741
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,685
−HK$2,985/mo
Today · 4.125%
HK$115,670
baseline
▲ 0.50% · 4.625%
HK$121,767
+HK$6,097/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,340/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,829
−HK$7,953/mo
▼ 0.25% · 3.875%
HK$130,774
−HK$4,008/mo
Today · 4.125%
HK$134,782
baseline
▲ 0.50% · 4.625%
HK$142,983
+HK$8,201/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,564/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,096
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,880
−HK$3,839/mo
Today · 4.125%
HK$148,719
baseline
▲ 0.50% · 4.625%
HK$156,558
+HK$7,839/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,438/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,262 · Scale 2, in force from 26 Feb 2026)