LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,475
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,667
−HK$2,227/mo
Today · 4.125%
HK$74,894
baseline
▲ 0.50% · 4.625%
HK$79,451
+HK$4,557/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,788/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,402
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,505
−HK$2,133/mo
Today · 4.125%
HK$82,638
baseline
▲ 0.50% · 4.625%
HK$86,994
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,276/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,570
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,200
−HK$2,673/mo
Today · 4.125%
HK$89,873
baseline
▲ 0.50% · 4.625%
HK$95,341
+HK$5,468/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,746/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,083
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,606
−HK$2,560/mo
Today · 4.125%
HK$99,166
baseline
▲ 0.50% · 4.625%
HK$104,393
+HK$5,227/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,332/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,665
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,734
−HK$3,118/mo
Today · 4.125%
HK$104,852
baseline
▲ 0.50% · 4.625%
HK$111,232
+HK$6,380/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$209,704/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,763
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,707
−HK$2,986/mo
Today · 4.125%
HK$115,693
baseline
▲ 0.50% · 4.625%
HK$121,792
+HK$6,099/mo
Deposit HK$9.27M · loan HK$21.63M · min. income ≈ HK$231,386/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,854
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,800
−HK$4,009/mo
Today · 4.125%
HK$134,809
baseline
▲ 0.50% · 4.625%
HK$143,012
+HK$8,203/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,618/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,124
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,909
−HK$3,840/mo
Today · 4.125%
HK$148,749
baseline
▲ 0.50% · 4.625%
HK$156,590
+HK$7,841/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,525 · Scale 2, in force from 26 Feb 2026)