LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,037
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,215
−HK$2,214/mo
Today · 4.125%
HK$74,429
baseline
▲ 0.50% · 4.625%
HK$78,958
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,858/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,915
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,005
−HK$2,120/mo
Today · 4.125%
HK$82,125
baseline
▲ 0.50% · 4.625%
HK$86,454
+HK$4,329/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,250/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,044
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,659
−HK$2,656/mo
Today · 4.125%
HK$89,315
baseline
▲ 0.50% · 4.625%
HK$94,749
+HK$5,434/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,630/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,498
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,006
−HK$2,544/mo
Today · 4.125%
HK$98,550
baseline
▲ 0.50% · 4.625%
HK$103,745
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,100/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,052
−HK$6,148/mo
▼ 0.25% · 3.875%
HK$101,102
−HK$3,098/mo
Today · 4.125%
HK$104,200
baseline
▲ 0.50% · 4.625%
HK$110,541
+HK$6,341/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,400/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,082
−HK$5,893/mo
▼ 0.25% · 3.875%
HK$112,007
−HK$2,968/mo
Today · 4.125%
HK$114,975
baseline
▲ 0.50% · 4.625%
HK$121,035
+HK$6,060/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,950/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,066
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,988
−HK$3,984/mo
Today · 4.125%
HK$133,972
baseline
▲ 0.50% · 4.625%
HK$142,124
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,944/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,248
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,009
−HK$3,816/mo
Today · 4.125%
HK$147,825
baseline
▲ 0.50% · 4.625%
HK$155,617
+HK$7,792/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,650/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,367 · Scale 2, in force from 26 Feb 2026)