LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,040
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,219
−HK$2,213/mo
Today · 4.125%
HK$74,432
baseline
▲ 0.50% · 4.625%
HK$78,961
+HK$4,529/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,864/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,919
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$80,008
−HK$2,120/mo
Today · 4.125%
HK$82,128
baseline
▲ 0.50% · 4.625%
HK$86,458
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,256/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,048
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,656/mo
Today · 4.125%
HK$89,318
baseline
▲ 0.50% · 4.625%
HK$94,753
+HK$5,435/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,636/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,502
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,010
−HK$2,544/mo
Today · 4.125%
HK$98,554
baseline
▲ 0.50% · 4.625%
HK$103,749
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,108/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,056
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,106
−HK$3,099/mo
Today · 4.125%
HK$104,205
baseline
▲ 0.50% · 4.625%
HK$110,546
+HK$6,341/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$208,410/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,086
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,012
−HK$2,968/mo
Today · 4.125%
HK$114,980
baseline
▲ 0.50% · 4.625%
HK$121,041
+HK$6,061/mo
Deposit HK$9.21M · loan HK$21.50M · min. income ≈ HK$229,960/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,072
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$129,993
−HK$3,985/mo
Today · 4.125%
HK$133,978
baseline
▲ 0.50% · 4.625%
HK$142,130
+HK$8,152/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,956/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,254
−HK$7,577/mo
▼ 0.25% · 3.875%
HK$144,015
−HK$3,816/mo
Today · 4.125%
HK$147,831
baseline
▲ 0.50% · 4.625%
HK$155,624
+HK$7,793/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,662/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,423 · Scale 2, in force from 26 Feb 2026)