LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,026
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,205
−HK$2,213/mo
Today · 4.125%
HK$74,418
baseline
▲ 0.50% · 4.625%
HK$78,946
+HK$4,528/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,836/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,904
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,993
−HK$2,119/mo
Today · 4.125%
HK$82,112
baseline
▲ 0.50% · 4.625%
HK$86,441
+HK$4,329/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,224/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,032
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,645
−HK$2,656/mo
Today · 4.125%
HK$89,301
baseline
▲ 0.50% · 4.625%
HK$94,735
+HK$5,434/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$178,602/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,484
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,991
−HK$2,544/mo
Today · 4.125%
HK$98,535
baseline
▲ 0.50% · 4.625%
HK$103,729
+HK$5,194/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$197,070/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,037
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,086
−HK$3,099/mo
Today · 4.125%
HK$104,185
baseline
▲ 0.50% · 4.625%
HK$110,524
+HK$6,339/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,370/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,065
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,990
−HK$2,967/mo
Today · 4.125%
HK$114,957
baseline
▲ 0.50% · 4.625%
HK$121,017
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,914/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,047
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,968
−HK$3,984/mo
Today · 4.125%
HK$133,952
baseline
▲ 0.50% · 4.625%
HK$142,102
+HK$8,150/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,904/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,226
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,987
−HK$3,815/mo
Today · 4.125%
HK$147,802
baseline
▲ 0.50% · 4.625%
HK$155,593
+HK$7,791/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,604/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,168 · Scale 2, in force from 26 Feb 2026)