LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,465
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,657
−HK$2,227/mo
Today · 4.125%
HK$74,884
baseline
▲ 0.50% · 4.625%
HK$79,441
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,768/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,392
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,494
−HK$2,133/mo
Today · 4.125%
HK$82,627
baseline
▲ 0.50% · 4.625%
HK$86,983
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,254/mo (50% DSR)
Upfront cash ≈ HK$16.76M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,558
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,189
−HK$2,672/mo
Today · 4.125%
HK$89,861
baseline
▲ 0.50% · 4.625%
HK$95,329
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,722/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,070
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,593
−HK$2,560/mo
Today · 4.125%
HK$99,153
baseline
▲ 0.50% · 4.625%
HK$104,379
+HK$5,226/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,306/mo (50% DSR)
Upfront cash ≈ HK$13.67M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,652
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,720
−HK$3,118/mo
Today · 4.125%
HK$104,838
baseline
▲ 0.50% · 4.625%
HK$111,217
+HK$6,379/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,676/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,749
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,692
−HK$2,986/mo
Today · 4.125%
HK$115,678
baseline
▲ 0.50% · 4.625%
HK$121,776
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,356/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,838
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,783
−HK$4,009/mo
Today · 4.125%
HK$134,792
baseline
▲ 0.50% · 4.625%
HK$142,993
+HK$8,201/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,584/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,106
−HK$7,623/mo
▼ 0.25% · 3.875%
HK$144,890
−HK$3,839/mo
Today · 4.125%
HK$148,729
baseline
▲ 0.50% · 4.625%
HK$156,569
+HK$7,840/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,458/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,352 · Scale 2, in force from 26 Feb 2026)