LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,084
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,264
−HK$2,215/mo
Today · 4.125%
HK$74,479
baseline
▲ 0.50% · 4.625%
HK$79,010
+HK$4,531/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,958/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,967
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,058
−HK$2,122/mo
Today · 4.125%
HK$82,180
baseline
▲ 0.50% · 4.625%
HK$86,512
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,360/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,100
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,658/mo
Today · 4.125%
HK$89,374
baseline
▲ 0.50% · 4.625%
HK$94,812
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,748/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,561
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,070
−HK$2,546/mo
Today · 4.125%
HK$98,616
baseline
▲ 0.50% · 4.625%
HK$103,814
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,232/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,117
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,169
−HK$3,101/mo
Today · 4.125%
HK$104,270
baseline
▲ 0.50% · 4.625%
HK$110,615
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,540/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,154
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,082
−HK$2,970/mo
Today · 4.125%
HK$115,052
baseline
▲ 0.50% · 4.625%
HK$121,116
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,104/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,151
−HK$7,910/mo
▼ 0.25% · 3.875%
HK$130,075
−HK$3,986/mo
Today · 4.125%
HK$134,061
baseline
▲ 0.50% · 4.625%
HK$142,219
+HK$8,158/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,122/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,341
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,105
−HK$3,819/mo
Today · 4.125%
HK$147,924
baseline
▲ 0.50% · 4.625%
HK$155,721
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,848/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,238 · Scale 2, in force from 26 Feb 2026)