LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,111
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,292
−HK$2,216/mo
Today · 4.125%
HK$74,508
baseline
▲ 0.50% · 4.625%
HK$79,042
+HK$4,534/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,016/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,998
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,090
−HK$2,122/mo
Today · 4.125%
HK$82,212
baseline
▲ 0.50% · 4.625%
HK$86,546
+HK$4,334/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,424/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,134
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,751
−HK$2,659/mo
Today · 4.125%
HK$89,410
baseline
▲ 0.50% · 4.625%
HK$94,850
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,820/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,598
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,108
−HK$2,547/mo
Today · 4.125%
HK$98,655
baseline
▲ 0.50% · 4.625%
HK$103,855
+HK$5,200/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,310/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,156
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,209
−HK$3,102/mo
Today · 4.125%
HK$104,311
baseline
▲ 0.50% · 4.625%
HK$110,658
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,622/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,198
−HK$5,899/mo
▼ 0.25% · 3.875%
HK$112,126
−HK$2,971/mo
Today · 4.125%
HK$115,097
baseline
▲ 0.50% · 4.625%
HK$121,164
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,194/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,201
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,126
−HK$3,989/mo
Today · 4.125%
HK$134,115
baseline
▲ 0.50% · 4.625%
HK$142,275
+HK$8,160/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,230/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,397
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,162
−HK$3,820/mo
Today · 4.125%
HK$147,982
baseline
▲ 0.50% · 4.625%
HK$155,782
+HK$7,800/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,964/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,756 · Scale 2, in force from 26 Feb 2026)