LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,057
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,236
−HK$2,214/mo
Today · 4.125%
HK$74,450
baseline
▲ 0.50% · 4.625%
HK$78,980
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,900/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,938
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,028
−HK$2,121/mo
Today · 4.125%
HK$82,149
baseline
▲ 0.50% · 4.625%
HK$86,479
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,298/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,069
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$86,684
−HK$2,656/mo
Today · 4.125%
HK$89,340
baseline
▲ 0.50% · 4.625%
HK$94,777
+HK$5,437/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,680/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,525
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,034
−HK$2,544/mo
Today · 4.125%
HK$98,578
baseline
▲ 0.50% · 4.625%
HK$103,775
+HK$5,197/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,156/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,080
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,131
−HK$3,099/mo
Today · 4.125%
HK$104,230
baseline
▲ 0.50% · 4.625%
HK$110,573
+HK$6,343/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,460/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,113
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,039
−HK$2,969/mo
Today · 4.125%
HK$115,008
baseline
▲ 0.50% · 4.625%
HK$121,070
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,016/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,103
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,025
−HK$3,986/mo
Today · 4.125%
HK$134,011
baseline
▲ 0.50% · 4.625%
HK$142,165
+HK$8,154/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,022/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,288
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,051
−HK$3,817/mo
Today · 4.125%
HK$147,868
baseline
▲ 0.50% · 4.625%
HK$155,662
+HK$7,794/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,736/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,744 · Scale 2, in force from 26 Feb 2026)