LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,060
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,240
−HK$2,214/mo
Today · 4.125%
HK$74,454
baseline
▲ 0.50% · 4.625%
HK$78,984
+HK$4,530/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$148,908/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,942
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,032
−HK$2,121/mo
Today · 4.125%
HK$82,153
baseline
▲ 0.50% · 4.625%
HK$86,483
+HK$4,330/mo
Deposit HK$15.36M · loan HK$15.36M · min. income ≈ HK$164,306/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,073
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,657/mo
Today · 4.125%
HK$89,345
baseline
▲ 0.50% · 4.625%
HK$94,781
+HK$5,436/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$178,690/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,530
−HK$5,053/mo
▼ 0.25% · 3.875%
HK$96,038
−HK$2,545/mo
Today · 4.125%
HK$98,583
baseline
▲ 0.50% · 4.625%
HK$103,779
+HK$5,196/mo
Deposit HK$12.29M · loan HK$18.43M · min. income ≈ HK$197,166/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,085
−HK$6,150/mo
▼ 0.25% · 3.875%
HK$101,136
−HK$3,099/mo
Today · 4.125%
HK$104,235
baseline
▲ 0.50% · 4.625%
HK$110,578
+HK$6,343/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,470/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,118
−HK$5,896/mo
▼ 0.25% · 3.875%
HK$112,045
−HK$2,969/mo
Today · 4.125%
HK$115,014
baseline
▲ 0.50% · 4.625%
HK$121,076
+HK$6,062/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,028/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,109
−HK$7,908/mo
▼ 0.25% · 3.875%
HK$130,032
−HK$3,985/mo
Today · 4.125%
HK$134,017
baseline
▲ 0.50% · 4.625%
HK$142,172
+HK$8,155/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$268,034/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,295
−HK$7,580/mo
▼ 0.25% · 3.875%
HK$144,057
−HK$3,818/mo
Today · 4.125%
HK$147,875
baseline
▲ 0.50% · 4.625%
HK$155,669
+HK$7,794/mo
Deposit HK$3.07M · loan HK$27.65M · min. income ≈ HK$295,750/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,305,806 · Scale 2, in force from 26 Feb 2026)