LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,478
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$72,670
−HK$2,227/mo
Today · 4.125%
HK$74,897
baseline
▲ 0.50% · 4.625%
HK$79,455
+HK$4,558/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,794/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,406
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,509
−HK$2,133/mo
Today · 4.125%
HK$82,642
baseline
▲ 0.50% · 4.625%
HK$86,998
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,284/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,573
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,204
−HK$2,673/mo
Today · 4.125%
HK$89,877
baseline
▲ 0.50% · 4.625%
HK$95,346
+HK$5,469/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$179,754/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,087
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,610
−HK$2,560/mo
Today · 4.125%
HK$99,170
baseline
▲ 0.50% · 4.625%
HK$104,398
+HK$5,228/mo
Deposit HK$12.36M · loan HK$18.54M · min. income ≈ HK$198,340/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,669
−HK$6,187/mo
▼ 0.25% · 3.875%
HK$101,738
−HK$3,118/mo
Today · 4.125%
HK$104,856
baseline
▲ 0.50% · 4.625%
HK$111,237
+HK$6,381/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,712/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,768
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,712
−HK$2,987/mo
Today · 4.125%
HK$115,699
baseline
▲ 0.50% · 4.625%
HK$121,797
+HK$6,098/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,398/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,860
−HK$7,955/mo
▼ 0.25% · 3.875%
HK$130,806
−HK$4,009/mo
Today · 4.125%
HK$134,815
baseline
▲ 0.50% · 4.625%
HK$143,018
+HK$8,203/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,630/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,131
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$144,916
−HK$3,839/mo
Today · 4.125%
HK$148,755
baseline
▲ 0.50% · 4.625%
HK$156,596
+HK$7,841/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,584 · Scale 2, in force from 26 Feb 2026)