LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,102
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,283
−HK$2,215/mo
Today · 4.125%
HK$74,498
baseline
▲ 0.50% · 4.625%
HK$79,031
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$148,996/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,988
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,080
−HK$2,122/mo
Today · 4.125%
HK$82,202
baseline
▲ 0.50% · 4.625%
HK$86,534
+HK$4,332/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,404/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,123
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,739
−HK$2,659/mo
Today · 4.125%
HK$89,398
baseline
▲ 0.50% · 4.625%
HK$94,838
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,796/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,586
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,096
−HK$2,546/mo
Today · 4.125%
HK$98,642
baseline
▲ 0.50% · 4.625%
HK$103,841
+HK$5,199/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,284/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,143
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,196
−HK$3,102/mo
Today · 4.125%
HK$104,298
baseline
▲ 0.50% · 4.625%
HK$110,644
+HK$6,346/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,596/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,183
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,112
−HK$2,970/mo
Today · 4.125%
HK$115,082
baseline
▲ 0.50% · 4.625%
HK$121,148
+HK$6,066/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,164/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,184
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,109
−HK$3,988/mo
Today · 4.125%
HK$134,097
baseline
▲ 0.50% · 4.625%
HK$142,256
+HK$8,159/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,194/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,379
−HK$7,584/mo
▼ 0.25% · 3.875%
HK$144,143
−HK$3,820/mo
Today · 4.125%
HK$147,963
baseline
▲ 0.50% · 4.625%
HK$155,762
+HK$7,799/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,926/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,585 · Scale 2, in force from 26 Feb 2026)