LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,082
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,262
−HK$2,215/mo
Today · 4.125%
HK$74,477
baseline
▲ 0.50% · 4.625%
HK$79,009
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,954/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,966
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$80,057
−HK$2,121/mo
Today · 4.125%
HK$82,178
baseline
▲ 0.50% · 4.625%
HK$86,510
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,356/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,099
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$86,715
−HK$2,657/mo
Today · 4.125%
HK$89,372
baseline
▲ 0.50% · 4.625%
HK$94,810
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,744/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,559
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,068
−HK$2,546/mo
Today · 4.125%
HK$98,614
baseline
▲ 0.50% · 4.625%
HK$103,812
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,228/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,115
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,167
−HK$3,101/mo
Today · 4.125%
HK$104,268
baseline
▲ 0.50% · 4.625%
HK$110,612
+HK$6,344/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,536/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,152
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$112,079
−HK$2,970/mo
Today · 4.125%
HK$115,049
baseline
▲ 0.50% · 4.625%
HK$121,114
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,098/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,148
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,072
−HK$3,987/mo
Today · 4.125%
HK$134,059
baseline
▲ 0.50% · 4.625%
HK$142,216
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,118/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,338
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,102
−HK$3,818/mo
Today · 4.125%
HK$147,920
baseline
▲ 0.50% · 4.625%
HK$155,717
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,840/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,210 · Scale 2, in force from 26 Feb 2026)