LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,091
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$72,271
−HK$2,215/mo
Today · 4.125%
HK$74,486
baseline
▲ 0.50% · 4.625%
HK$79,018
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,972/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,975
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,066
−HK$2,122/mo
Today · 4.125%
HK$82,188
baseline
▲ 0.50% · 4.625%
HK$86,520
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,376/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,109
−HK$5,274/mo
▼ 0.25% · 3.875%
HK$86,725
−HK$2,658/mo
Today · 4.125%
HK$89,383
baseline
▲ 0.50% · 4.625%
HK$94,822
+HK$5,439/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$178,766/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,570
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,080
−HK$2,546/mo
Today · 4.125%
HK$98,626
baseline
▲ 0.50% · 4.625%
HK$103,824
+HK$5,198/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$197,252/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,127
−HK$6,153/mo
▼ 0.25% · 3.875%
HK$101,179
−HK$3,101/mo
Today · 4.125%
HK$104,280
baseline
▲ 0.50% · 4.625%
HK$110,626
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,560/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,165
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,093
−HK$2,970/mo
Today · 4.125%
HK$115,063
baseline
▲ 0.50% · 4.625%
HK$121,128
+HK$6,065/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,126/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,163
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,088
−HK$3,987/mo
Today · 4.125%
HK$134,075
baseline
▲ 0.50% · 4.625%
HK$142,233
+HK$8,158/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$268,150/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,355
−HK$7,583/mo
▼ 0.25% · 3.875%
HK$144,120
−HK$3,818/mo
Today · 4.125%
HK$147,938
baseline
▲ 0.50% · 4.625%
HK$155,736
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.66M · min. income ≈ HK$295,876/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,369 · Scale 2, in force from 26 Feb 2026)