LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,998
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$2,212/mo
Today · 4.125%
HK$74,387
baseline
▲ 0.50% · 4.625%
HK$78,913
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,774/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,872
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,960
−HK$2,119/mo
Today · 4.125%
HK$82,079
baseline
▲ 0.50% · 4.625%
HK$86,405
+HK$4,326/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,158/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,997
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,610
−HK$2,655/mo
Today · 4.125%
HK$89,265
baseline
▲ 0.50% · 4.625%
HK$94,696
+HK$5,431/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,530/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,446
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,952
−HK$2,543/mo
Today · 4.125%
HK$98,495
baseline
▲ 0.50% · 4.625%
HK$103,686
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$196,990/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,997
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,045
−HK$3,097/mo
Today · 4.125%
HK$104,142
baseline
▲ 0.50% · 4.625%
HK$110,479
+HK$6,337/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,284/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,020
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,944
−HK$2,966/mo
Today · 4.125%
HK$114,910
baseline
▲ 0.50% · 4.625%
HK$120,968
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,820/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,996
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,915
−HK$3,982/mo
Today · 4.125%
HK$133,897
baseline
▲ 0.50% · 4.625%
HK$142,044
+HK$8,147/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,794/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,169
−HK$7,573/mo
▼ 0.25% · 3.875%
HK$143,928
−HK$3,814/mo
Today · 4.125%
HK$147,742
baseline
▲ 0.50% · 4.625%
HK$155,530
+HK$7,788/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,484/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,635 · Scale 2, in force from 26 Feb 2026)