LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,030
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$2,213/mo
Today · 4.125%
HK$74,421
baseline
▲ 0.50% · 4.625%
HK$78,949
+HK$4,528/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,842/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,907
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,997
−HK$2,119/mo
Today · 4.125%
HK$82,116
baseline
▲ 0.50% · 4.625%
HK$86,445
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,232/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,035
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,649
−HK$2,656/mo
Today · 4.125%
HK$89,305
baseline
▲ 0.50% · 4.625%
HK$94,739
+HK$5,434/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$178,610/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,489
−HK$5,051/mo
▼ 0.25% · 3.875%
HK$95,996
−HK$2,544/mo
Today · 4.125%
HK$98,540
baseline
▲ 0.50% · 4.625%
HK$103,734
+HK$5,194/mo
Deposit HK$12.28M · loan HK$18.43M · min. income ≈ HK$197,080/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,041
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,091
−HK$3,098/mo
Today · 4.125%
HK$104,189
baseline
▲ 0.50% · 4.625%
HK$110,529
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,378/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,070
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$111,995
−HK$2,968/mo
Today · 4.125%
HK$114,963
baseline
▲ 0.50% · 4.625%
HK$121,023
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,926/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,053
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,974
−HK$3,984/mo
Today · 4.125%
HK$133,958
baseline
▲ 0.50% · 4.625%
HK$142,109
+HK$8,151/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,916/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,233
−HK$7,576/mo
▼ 0.25% · 3.875%
HK$143,994
−HK$3,815/mo
Today · 4.125%
HK$147,809
baseline
▲ 0.50% · 4.625%
HK$155,601
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,618/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,229 · Scale 2, in force from 26 Feb 2026)