LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,470
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,662
−HK$2,227/mo
Today · 4.125%
HK$74,889
baseline
▲ 0.50% · 4.625%
HK$79,446
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,778/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,397
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$80,499
−HK$2,133/mo
Today · 4.125%
HK$82,632
baseline
▲ 0.50% · 4.625%
HK$86,988
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,264/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,564
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,194
−HK$2,673/mo
Today · 4.125%
HK$89,867
baseline
▲ 0.50% · 4.625%
HK$95,335
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,734/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,076
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,599
−HK$2,560/mo
Today · 4.125%
HK$99,159
baseline
▲ 0.50% · 4.625%
HK$104,386
+HK$5,227/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,318/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,658
−HK$6,186/mo
▼ 0.25% · 3.875%
HK$101,726
−HK$3,118/mo
Today · 4.125%
HK$104,844
baseline
▲ 0.50% · 4.625%
HK$111,224
+HK$6,380/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,688/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,756
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$112,699
−HK$2,986/mo
Today · 4.125%
HK$115,685
baseline
▲ 0.50% · 4.625%
HK$121,783
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,370/mo (50% DSR)
Upfront cash ≈ HK$10.58M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,846
−HK$7,954/mo
▼ 0.25% · 3.875%
HK$130,791
−HK$4,009/mo
Today · 4.125%
HK$134,800
baseline
▲ 0.50% · 4.625%
HK$143,002
+HK$8,202/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,600/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,114
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,899
−HK$3,839/mo
Today · 4.125%
HK$148,738
baseline
▲ 0.50% · 4.625%
HK$156,579
+HK$7,841/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,476/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,433 · Scale 2, in force from 26 Feb 2026)