LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,472
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,665
−HK$2,227/mo
Today · 4.125%
HK$74,892
baseline
▲ 0.50% · 4.625%
HK$79,449
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,784/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,400
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,503
−HK$2,133/mo
Today · 4.125%
HK$82,636
baseline
▲ 0.50% · 4.625%
HK$86,991
+HK$4,355/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,272/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,567
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,197
−HK$2,673/mo
Today · 4.125%
HK$89,870
baseline
▲ 0.50% · 4.625%
HK$95,338
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,740/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,080
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,603
−HK$2,560/mo
Today · 4.125%
HK$99,163
baseline
▲ 0.50% · 4.625%
HK$104,390
+HK$5,227/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,326/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,661
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,730
−HK$3,118/mo
Today · 4.125%
HK$104,848
baseline
▲ 0.50% · 4.625%
HK$111,228
+HK$6,380/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,696/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,760
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,704
−HK$2,986/mo
Today · 4.125%
HK$115,690
baseline
▲ 0.50% · 4.625%
HK$121,788
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,380/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,850
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,796
−HK$4,009/mo
Today · 4.125%
HK$134,805
baseline
▲ 0.50% · 4.625%
HK$143,008
+HK$8,203/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$269,610/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,120
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,905
−HK$3,839/mo
Today · 4.125%
HK$148,744
baseline
▲ 0.50% · 4.625%
HK$156,585
+HK$7,841/mo
Deposit HK$3.09M · loan HK$27.81M · min. income ≈ HK$297,488/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,484 · Scale 2, in force from 26 Feb 2026)