LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,048
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$72,226
−HK$2,214/mo
Today · 4.125%
HK$74,440
baseline
▲ 0.50% · 4.625%
HK$78,970
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,880/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,927
−HK$4,210/mo
▼ 0.25% · 3.875%
HK$80,017
−HK$2,120/mo
Today · 4.125%
HK$82,137
baseline
▲ 0.50% · 4.625%
HK$86,467
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,274/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,057
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,672
−HK$2,656/mo
Today · 4.125%
HK$89,328
baseline
▲ 0.50% · 4.625%
HK$94,764
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,656/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,513
−HK$5,052/mo
▼ 0.25% · 3.875%
HK$96,021
−HK$2,544/mo
Today · 4.125%
HK$98,565
baseline
▲ 0.50% · 4.625%
HK$103,760
+HK$5,195/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,130/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,067
−HK$6,149/mo
▼ 0.25% · 3.875%
HK$101,117
−HK$3,099/mo
Today · 4.125%
HK$104,216
baseline
▲ 0.50% · 4.625%
HK$110,558
+HK$6,342/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$208,432/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,098
−HK$5,894/mo
▼ 0.25% · 3.875%
HK$112,024
−HK$2,968/mo
Today · 4.125%
HK$114,992
baseline
▲ 0.50% · 4.625%
HK$121,054
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.50M · min. income ≈ HK$229,984/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,086
−HK$7,906/mo
▼ 0.25% · 3.875%
HK$130,008
−HK$3,984/mo
Today · 4.125%
HK$133,992
baseline
▲ 0.50% · 4.625%
HK$142,146
+HK$8,154/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$267,984/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,269
−HK$7,578/mo
▼ 0.25% · 3.875%
HK$144,031
−HK$3,816/mo
Today · 4.125%
HK$147,847
baseline
▲ 0.50% · 4.625%
HK$155,641
+HK$7,794/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,694/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,566 · Scale 2, in force from 26 Feb 2026)