LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,077
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$2,214/mo
Today · 4.125%
HK$74,471
baseline
▲ 0.50% · 4.625%
HK$79,003
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,942/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,960
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,051
−HK$2,121/mo
Today · 4.125%
HK$82,172
baseline
▲ 0.50% · 4.625%
HK$86,503
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,344/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,092
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,708
−HK$2,658/mo
Today · 4.125%
HK$89,366
baseline
▲ 0.50% · 4.625%
HK$94,803
+HK$5,437/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,732/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,552
−HK$5,054/mo
▼ 0.25% · 3.875%
HK$96,061
−HK$2,545/mo
Today · 4.125%
HK$98,606
baseline
▲ 0.50% · 4.625%
HK$103,804
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,212/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,108
−HK$6,152/mo
▼ 0.25% · 3.875%
HK$101,159
−HK$3,101/mo
Today · 4.125%
HK$104,260
baseline
▲ 0.50% · 4.625%
HK$110,604
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,520/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,144
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,071
−HK$2,970/mo
Today · 4.125%
HK$115,041
baseline
▲ 0.50% · 4.625%
HK$121,105
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,082/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,139
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,062
−HK$3,987/mo
Today · 4.125%
HK$134,049
baseline
▲ 0.50% · 4.625%
HK$142,205
+HK$8,156/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,098/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,328
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$144,091
−HK$3,818/mo
Today · 4.125%
HK$147,909
baseline
▲ 0.50% · 4.625%
HK$155,706
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,818/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,113 · Scale 2, in force from 26 Feb 2026)