LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,036
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,214
−HK$2,214/mo
Today · 4.125%
HK$74,428
baseline
▲ 0.50% · 4.625%
HK$78,957
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,856/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,914
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,004
−HK$2,120/mo
Today · 4.125%
HK$82,124
baseline
▲ 0.50% · 4.625%
HK$86,453
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,248/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,043
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,657
−HK$2,656/mo
Today · 4.125%
HK$89,313
baseline
▲ 0.50% · 4.625%
HK$94,748
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,626/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,497
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,005
−HK$2,544/mo
Today · 4.125%
HK$98,549
baseline
▲ 0.50% · 4.625%
HK$103,743
+HK$5,194/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,098/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,050
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,100
−HK$3,099/mo
Today · 4.125%
HK$104,199
baseline
▲ 0.50% · 4.625%
HK$110,539
+HK$6,340/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,398/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,080
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,006
−HK$2,967/mo
Today · 4.125%
HK$114,973
baseline
▲ 0.50% · 4.625%
HK$121,034
+HK$6,061/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,946/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,065
−HK$7,905/mo
▼ 0.25% · 3.875%
HK$129,986
−HK$3,984/mo
Today · 4.125%
HK$133,970
baseline
▲ 0.50% · 4.625%
HK$142,122
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,940/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,246
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,007
−HK$3,816/mo
Today · 4.125%
HK$147,823
baseline
▲ 0.50% · 4.625%
HK$155,615
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,646/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,349 · Scale 2, in force from 26 Feb 2026)