LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,074
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$2,214/mo
Today · 4.125%
HK$74,468
baseline
▲ 0.50% · 4.625%
HK$79,000
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,936/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,957
−HK$4,211/mo
▼ 0.25% · 3.875%
HK$80,047
−HK$2,121/mo
Today · 4.125%
HK$82,168
baseline
▲ 0.50% · 4.625%
HK$86,500
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,336/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,089
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,704
−HK$2,658/mo
Today · 4.125%
HK$89,362
baseline
▲ 0.50% · 4.625%
HK$94,799
+HK$5,437/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,724/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,548
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,057
−HK$2,545/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$103,800
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,104
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,155
−HK$3,101/mo
Today · 4.125%
HK$104,256
baseline
▲ 0.50% · 4.625%
HK$110,599
+HK$6,343/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,512/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,139
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,066
−HK$2,970/mo
Today · 4.125%
HK$115,036
baseline
▲ 0.50% · 4.625%
HK$121,099
+HK$6,063/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,072/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,133
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,057
−HK$3,986/mo
Today · 4.125%
HK$134,043
baseline
▲ 0.50% · 4.625%
HK$142,199
+HK$8,156/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,086/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,322
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,085
−HK$3,818/mo
Today · 4.125%
HK$147,903
baseline
▲ 0.50% · 4.625%
HK$155,699
+HK$7,796/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,806/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,058 · Scale 2, in force from 26 Feb 2026)