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$79,011
+HK$4,532/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$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,968
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,059
−HK$2,122/mo
Today · 4.125%
HK$82,181
baseline
▲ 0.50% · 4.625%
HK$86,512
+HK$4,331/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,362/mo (50% DSR)
Upfront cash ≈ HK$16.67M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,101
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,717
−HK$2,658/mo
Today · 4.125%
HK$89,375
baseline
▲ 0.50% · 4.625%
HK$94,813
+HK$5,438/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$178,750/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,562
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$96,071
−HK$2,546/mo
Today · 4.125%
HK$98,617
baseline
▲ 0.50% · 4.625%
HK$103,815
+HK$5,198/mo
Deposit HK$12.29M · loan HK$18.44M · min. income ≈ HK$197,234/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,118
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,170
−HK$3,101/mo
Today · 4.125%
HK$104,271
baseline
▲ 0.50% · 4.625%
HK$110,616
+HK$6,345/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$208,542/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,155
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,083
−HK$2,970/mo
Today · 4.125%
HK$115,053
baseline
▲ 0.50% · 4.625%
HK$121,117
+HK$6,064/mo
Deposit HK$9.22M · loan HK$21.51M · min. income ≈ HK$230,106/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,152
−HK$7,911/mo
▼ 0.25% · 3.875%
HK$130,076
−HK$3,987/mo
Today · 4.125%
HK$134,063
baseline
▲ 0.50% · 4.625%
HK$142,220
+HK$8,157/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,126/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,343
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$144,107
−HK$3,818/mo
Today · 4.125%
HK$147,925
baseline
▲ 0.50% · 4.625%
HK$155,722
+HK$7,797/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,850/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,250 · Scale 2, in force from 26 Feb 2026)