LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,107
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$2,216/mo
Today · 4.125%
HK$74,503
baseline
▲ 0.50% · 4.625%
HK$79,036
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,006/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,993
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,085
−HK$2,122/mo
Today · 4.125%
HK$82,207
baseline
▲ 0.50% · 4.625%
HK$86,540
+HK$4,333/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,414/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,128
−HK$5,275/mo
▼ 0.25% · 3.875%
HK$86,745
−HK$2,658/mo
Today · 4.125%
HK$89,403
baseline
▲ 0.50% · 4.625%
HK$94,843
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,806/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,591
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,102
−HK$2,546/mo
Today · 4.125%
HK$98,648
baseline
▲ 0.50% · 4.625%
HK$103,848
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,296/mo (50% DSR)
Upfront cash ≈ HK$13.60M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,149
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,202
−HK$3,102/mo
Today · 4.125%
HK$104,304
baseline
▲ 0.50% · 4.625%
HK$110,651
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,608/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,190
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,118
−HK$2,971/mo
Today · 4.125%
HK$115,089
baseline
▲ 0.50% · 4.625%
HK$121,156
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,178/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,192
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,117
−HK$3,988/mo
Today · 4.125%
HK$134,105
baseline
▲ 0.50% · 4.625%
HK$142,265
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,210/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,387
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,152
−HK$3,820/mo
Today · 4.125%
HK$147,972
baseline
▲ 0.50% · 4.625%
HK$155,772
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,944/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,665 · Scale 2, in force from 26 Feb 2026)