LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,110
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$72,291
−HK$2,215/mo
Today · 4.125%
HK$74,506
baseline
▲ 0.50% · 4.625%
HK$79,040
+HK$4,534/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,012/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,996
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,088
−HK$2,122/mo
Today · 4.125%
HK$82,210
baseline
▲ 0.50% · 4.625%
HK$86,544
+HK$4,334/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,420/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,132
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,749
−HK$2,659/mo
Today · 4.125%
HK$89,408
baseline
▲ 0.50% · 4.625%
HK$94,848
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,816/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,596
−HK$5,056/mo
▼ 0.25% · 3.875%
HK$96,106
−HK$2,546/mo
Today · 4.125%
HK$98,652
baseline
▲ 0.50% · 4.625%
HK$103,853
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,304/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,154
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,207
−HK$3,102/mo
Today · 4.125%
HK$104,309
baseline
▲ 0.50% · 4.625%
HK$110,656
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,618/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,195
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,124
−HK$2,970/mo
Today · 4.125%
HK$115,094
baseline
▲ 0.50% · 4.625%
HK$121,161
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,188/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,198
−HK$7,913/mo
▼ 0.25% · 3.875%
HK$130,123
−HK$3,988/mo
Today · 4.125%
HK$134,111
baseline
▲ 0.50% · 4.625%
HK$142,272
+HK$8,161/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,222/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,394
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,159
−HK$3,820/mo
Today · 4.125%
HK$147,979
baseline
▲ 0.50% · 4.625%
HK$155,779
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,958/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,725 · Scale 2, in force from 26 Feb 2026)