LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,095
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,275
−HK$2,216/mo
Today · 4.125%
HK$74,491
baseline
▲ 0.50% · 4.625%
HK$79,023
+HK$4,532/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,982/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,980
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$80,072
−HK$2,121/mo
Today · 4.125%
HK$82,193
baseline
▲ 0.50% · 4.625%
HK$86,526
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,386/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,114
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,731
−HK$2,658/mo
Today · 4.125%
HK$89,389
baseline
▲ 0.50% · 4.625%
HK$94,828
+HK$5,439/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$178,778/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,576
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,086
−HK$2,546/mo
Today · 4.125%
HK$98,632
baseline
▲ 0.50% · 4.625%
HK$103,831
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.44M · min. income ≈ HK$197,264/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,133
−HK$6,154/mo
▼ 0.25% · 3.875%
HK$101,186
−HK$3,101/mo
Today · 4.125%
HK$104,287
baseline
▲ 0.50% · 4.625%
HK$110,633
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,574/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,172
−HK$5,898/mo
▼ 0.25% · 3.875%
HK$112,100
−HK$2,970/mo
Today · 4.125%
HK$115,070
baseline
▲ 0.50% · 4.625%
HK$121,136
+HK$6,066/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,140/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,171
−HK$7,912/mo
▼ 0.25% · 3.875%
HK$130,096
−HK$3,987/mo
Today · 4.125%
HK$134,083
baseline
▲ 0.50% · 4.625%
HK$142,242
+HK$8,159/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,166/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,364
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,129
−HK$3,819/mo
Today · 4.125%
HK$147,948
baseline
▲ 0.50% · 4.625%
HK$155,746
+HK$7,798/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,896/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,451 · Scale 2, in force from 26 Feb 2026)