LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,035
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,213
−HK$2,213/mo
Today · 4.125%
HK$74,426
baseline
▲ 0.50% · 4.625%
HK$78,955
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,852/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,913
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,002
−HK$2,120/mo
Today · 4.125%
HK$82,122
baseline
▲ 0.50% · 4.625%
HK$86,451
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,244/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,042
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,656
−HK$2,656/mo
Today · 4.125%
HK$89,312
baseline
▲ 0.50% · 4.625%
HK$94,746
+HK$5,434/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,624/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,495
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,003
−HK$2,544/mo
Today · 4.125%
HK$98,547
baseline
▲ 0.50% · 4.625%
HK$103,741
+HK$5,194/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,094/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,049
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,098
−HK$3,099/mo
Today · 4.125%
HK$104,197
baseline
▲ 0.50% · 4.625%
HK$110,537
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,394/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,078
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,003
−HK$2,968/mo
Today · 4.125%
HK$114,971
baseline
▲ 0.50% · 4.625%
HK$121,031
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,942/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,062
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,984
−HK$3,984/mo
Today · 4.125%
HK$133,968
baseline
▲ 0.50% · 4.625%
HK$142,119
+HK$8,151/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,936/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,243
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,004
−HK$3,816/mo
Today · 4.125%
HK$147,820
baseline
▲ 0.50% · 4.625%
HK$155,612
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,640/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,325 · Scale 2, in force from 26 Feb 2026)