LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,481
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,674
−HK$2,227/mo
Today · 4.125%
HK$74,901
baseline
▲ 0.50% · 4.625%
HK$79,459
+HK$4,558/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$149,802/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,410
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$80,513
−HK$2,133/mo
Today · 4.125%
HK$82,646
baseline
▲ 0.50% · 4.625%
HK$87,002
+HK$4,356/mo
Deposit HK$15.45M · loan HK$15.45M · min. income ≈ HK$165,292/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,578
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$87,208
−HK$2,673/mo
Today · 4.125%
HK$89,881
baseline
▲ 0.50% · 4.625%
HK$95,350
+HK$5,469/mo
Deposit HK$12.36M · loan HK$18.55M · min. income ≈ HK$179,762/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,092
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$96,615
−HK$2,560/mo
Today · 4.125%
HK$99,175
baseline
▲ 0.50% · 4.625%
HK$104,403
+HK$5,228/mo
Deposit HK$12.36M · loan HK$18.55M · min. income ≈ HK$198,350/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,674
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,743
−HK$3,119/mo
Today · 4.125%
HK$104,862
baseline
▲ 0.50% · 4.625%
HK$111,242
+HK$6,380/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,724/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,774
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$112,718
−HK$2,986/mo
Today · 4.125%
HK$115,704
baseline
▲ 0.50% · 4.625%
HK$121,803
+HK$6,099/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,408/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,866
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,813
−HK$4,009/mo
Today · 4.125%
HK$134,822
baseline
▲ 0.50% · 4.625%
HK$143,026
+HK$8,204/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,644/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,138
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$144,923
−HK$3,840/mo
Today · 4.125%
HK$148,763
baseline
▲ 0.50% · 4.625%
HK$156,604
+HK$7,841/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,313,649 · Scale 2, in force from 26 Feb 2026)