LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,980
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,157
−HK$2,212/mo
Today · 4.125%
HK$74,369
baseline
▲ 0.50% · 4.625%
HK$78,894
+HK$4,525/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,738/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,853
−HK$4,206/mo
▼ 0.25% · 3.875%
HK$79,941
−HK$2,118/mo
Today · 4.125%
HK$82,059
baseline
▲ 0.50% · 4.625%
HK$86,384
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,118/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,977
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,589
−HK$2,654/mo
Today · 4.125%
HK$89,243
baseline
▲ 0.50% · 4.625%
HK$94,673
+HK$5,430/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$178,486/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,423
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,929
−HK$2,541/mo
Today · 4.125%
HK$98,470
baseline
▲ 0.50% · 4.625%
HK$103,661
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.41M · min. income ≈ HK$196,940/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,973
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,020
−HK$3,096/mo
Today · 4.125%
HK$104,116
baseline
▲ 0.50% · 4.625%
HK$110,452
+HK$6,336/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,232/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,994
−HK$5,888/mo
▼ 0.25% · 3.875%
HK$111,917
−HK$2,965/mo
Today · 4.125%
HK$114,882
baseline
▲ 0.50% · 4.625%
HK$120,938
+HK$6,056/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,764/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,965
−HK$7,899/mo
▼ 0.25% · 3.875%
HK$129,883
−HK$3,981/mo
Today · 4.125%
HK$133,864
baseline
▲ 0.50% · 4.625%
HK$142,009
+HK$8,145/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,728/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,135
−HK$7,571/mo
▼ 0.25% · 3.875%
HK$143,893
−HK$3,813/mo
Today · 4.125%
HK$147,706
baseline
▲ 0.50% · 4.625%
HK$155,491
+HK$7,785/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,412/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,314 · Scale 2, in force from 26 Feb 2026)