LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,007
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,184
−HK$2,213/mo
Today · 4.125%
HK$74,397
baseline
▲ 0.50% · 4.625%
HK$78,923
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,794/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,882
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,970
−HK$2,119/mo
Today · 4.125%
HK$82,089
baseline
▲ 0.50% · 4.625%
HK$86,416
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,178/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,008
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,621
−HK$2,655/mo
Today · 4.125%
HK$89,276
baseline
▲ 0.50% · 4.625%
HK$94,708
+HK$5,432/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,552/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,458
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,964
−HK$2,543/mo
Today · 4.125%
HK$98,507
baseline
▲ 0.50% · 4.625%
HK$103,700
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,014/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,009
−HK$6,146/mo
▼ 0.25% · 3.875%
HK$101,058
−HK$3,097/mo
Today · 4.125%
HK$104,155
baseline
▲ 0.50% · 4.625%
HK$110,493
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,310/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,034
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,958
−HK$2,967/mo
Today · 4.125%
HK$114,925
baseline
▲ 0.50% · 4.625%
HK$120,983
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,850/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,012
−HK$7,902/mo
▼ 0.25% · 3.875%
HK$129,931
−HK$3,983/mo
Today · 4.125%
HK$133,914
baseline
▲ 0.50% · 4.625%
HK$142,062
+HK$8,148/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,828/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,187
−HK$7,574/mo
▼ 0.25% · 3.875%
HK$143,947
−HK$3,814/mo
Today · 4.125%
HK$147,761
baseline
▲ 0.50% · 4.625%
HK$155,549
+HK$7,788/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,522/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,800 · Scale 2, in force from 26 Feb 2026)