LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,059
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,238
−HK$2,214/mo
Today · 4.125%
HK$74,452
baseline
▲ 0.50% · 4.625%
HK$78,982
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,904/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,940
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,030
−HK$2,121/mo
Today · 4.125%
HK$82,151
baseline
▲ 0.50% · 4.625%
HK$86,481
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,302/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,071
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,686
−HK$2,657/mo
Today · 4.125%
HK$89,343
baseline
▲ 0.50% · 4.625%
HK$94,779
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,686/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,528
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,036
−HK$2,545/mo
Today · 4.125%
HK$98,581
baseline
▲ 0.50% · 4.625%
HK$103,777
+HK$5,196/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,162/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,082
−HK$6,151/mo
▼ 0.25% · 3.875%
HK$101,133
−HK$3,100/mo
Today · 4.125%
HK$104,233
baseline
▲ 0.50% · 4.625%
HK$110,575
+HK$6,342/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,466/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,116
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,042
−HK$2,969/mo
Today · 4.125%
HK$115,011
baseline
▲ 0.50% · 4.625%
HK$121,073
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,022/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,106
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,028
−HK$3,986/mo
Today · 4.125%
HK$134,014
baseline
▲ 0.50% · 4.625%
HK$142,168
+HK$8,154/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,028/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,292
−HK$7,579/mo
▼ 0.25% · 3.875%
HK$144,054
−HK$3,817/mo
Today · 4.125%
HK$147,871
baseline
▲ 0.50% · 4.625%
HK$155,666
+HK$7,795/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,742/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,774 · Scale 2, in force from 26 Feb 2026)