LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,000
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,177
−HK$2,212/mo
Today · 4.125%
HK$74,389
baseline
▲ 0.50% · 4.625%
HK$78,916
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,778/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,874
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,963
−HK$2,118/mo
Today · 4.125%
HK$82,081
baseline
▲ 0.50% · 4.625%
HK$86,408
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,162/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,000
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,613
−HK$2,654/mo
Today · 4.125%
HK$89,267
baseline
▲ 0.50% · 4.625%
HK$94,699
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,534/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,449
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,955
−HK$2,543/mo
Today · 4.125%
HK$98,498
baseline
▲ 0.50% · 4.625%
HK$103,690
+HK$5,192/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$196,996/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,000
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,048
−HK$3,097/mo
Today · 4.125%
HK$104,145
baseline
▲ 0.50% · 4.625%
HK$110,482
+HK$6,337/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,290/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,024
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,948
−HK$2,966/mo
Today · 4.125%
HK$114,914
baseline
▲ 0.50% · 4.625%
HK$120,971
+HK$6,057/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,828/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,000
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,919
−HK$3,982/mo
Today · 4.125%
HK$133,901
baseline
▲ 0.50% · 4.625%
HK$142,049
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,802/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,173
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,933
−HK$3,814/mo
Today · 4.125%
HK$147,747
baseline
▲ 0.50% · 4.625%
HK$155,534
+HK$7,787/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,494/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,675 · Scale 2, in force from 26 Feb 2026)