LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,080
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,260
−HK$2,215/mo
Today · 4.125%
HK$74,475
baseline
▲ 0.50% · 4.625%
HK$79,006
+HK$4,531/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,950/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,963
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,054
−HK$2,122/mo
Today · 4.125%
HK$82,176
baseline
▲ 0.50% · 4.625%
HK$86,507
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,352/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,096
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,712
−HK$2,658/mo
Today · 4.125%
HK$89,370
baseline
▲ 0.50% · 4.625%
HK$94,808
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,740/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,556
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,065
−HK$2,546/mo
Today · 4.125%
HK$98,611
baseline
▲ 0.50% · 4.625%
HK$103,809
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,222/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,112
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,164
−HK$3,101/mo
Today · 4.125%
HK$104,265
baseline
▲ 0.50% · 4.625%
HK$110,609
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,530/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,149
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,076
−HK$2,970/mo
Today · 4.125%
HK$115,046
baseline
▲ 0.50% · 4.625%
HK$121,110
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,092/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,144
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,068
−HK$3,987/mo
Today · 4.125%
HK$134,055
baseline
▲ 0.50% · 4.625%
HK$142,212
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,110/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,334
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,098
−HK$3,818/mo
Today · 4.125%
HK$147,916
baseline
▲ 0.50% · 4.625%
HK$155,713
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,832/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,172 · Scale 2, in force from 26 Feb 2026)