LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,060
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$72,239
−HK$2,214/mo
Today · 4.125%
HK$74,453
baseline
▲ 0.50% · 4.625%
HK$78,983
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,906/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,941
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,031
−HK$2,121/mo
Today · 4.125%
HK$82,152
baseline
▲ 0.50% · 4.625%
HK$86,482
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,304/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,072
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,687
−HK$2,657/mo
Today · 4.125%
HK$89,344
baseline
▲ 0.50% · 4.625%
HK$94,780
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,688/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,529
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,037
−HK$2,545/mo
Today · 4.125%
HK$98,582
baseline
▲ 0.50% · 4.625%
HK$103,778
+HK$5,196/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,164/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,084
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,135
−HK$3,099/mo
Today · 4.125%
HK$104,234
baseline
▲ 0.50% · 4.625%
HK$110,577
+HK$6,343/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,468/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,117
−HK$5,895/mo
▼ 0.25% · 3.875%
HK$112,044
−HK$2,968/mo
Today · 4.125%
HK$115,012
baseline
▲ 0.50% · 4.625%
HK$121,075
+HK$6,063/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,024/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,108
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,030
−HK$3,986/mo
Today · 4.125%
HK$134,016
baseline
▲ 0.50% · 4.625%
HK$142,170
+HK$8,154/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,032/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,293
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,056
−HK$3,817/mo
Today · 4.125%
HK$147,873
baseline
▲ 0.50% · 4.625%
HK$155,668
+HK$7,795/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,746/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,792 · Scale 2, in force from 26 Feb 2026)