LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,076
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,256
−HK$2,214/mo
Today · 4.125%
HK$74,470
baseline
▲ 0.50% · 4.625%
HK$79,002
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,940/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,959
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,050
−HK$2,121/mo
Today · 4.125%
HK$82,171
baseline
▲ 0.50% · 4.625%
HK$86,502
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,342/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,091
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,707
−HK$2,657/mo
Today · 4.125%
HK$89,364
baseline
▲ 0.50% · 4.625%
HK$94,802
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,728/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,551
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,059
−HK$2,546/mo
Today · 4.125%
HK$98,605
baseline
▲ 0.50% · 4.625%
HK$103,802
+HK$5,197/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,210/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,106
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,158
−HK$3,100/mo
Today · 4.125%
HK$104,258
baseline
▲ 0.50% · 4.625%
HK$110,602
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,516/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,142
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,069
−HK$2,970/mo
Today · 4.125%
HK$115,039
baseline
▲ 0.50% · 4.625%
HK$121,103
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,078/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,137
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,060
−HK$3,987/mo
Today · 4.125%
HK$134,047
baseline
▲ 0.50% · 4.625%
HK$142,203
+HK$8,156/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,094/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,326
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,089
−HK$3,818/mo
Today · 4.125%
HK$147,907
baseline
▲ 0.50% · 4.625%
HK$155,704
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,814/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,093 · Scale 2, in force from 26 Feb 2026)