LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,114
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,295
−HK$2,216/mo
Today · 4.125%
HK$74,511
baseline
▲ 0.50% · 4.625%
HK$79,044
+HK$4,533/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$149,022/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,001
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,093
−HK$2,122/mo
Today · 4.125%
HK$82,215
baseline
▲ 0.50% · 4.625%
HK$86,549
+HK$4,334/mo
Deposit HK$15.37M · loan HK$15.37M · min. income ≈ HK$164,430/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,137
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,754
−HK$2,659/mo
Today · 4.125%
HK$89,413
baseline
▲ 0.50% · 4.625%
HK$94,853
+HK$5,440/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,826/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,601
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,111
−HK$2,547/mo
Today · 4.125%
HK$98,658
baseline
▲ 0.50% · 4.625%
HK$103,859
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,316/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,159
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,213
−HK$3,102/mo
Today · 4.125%
HK$104,315
baseline
▲ 0.50% · 4.625%
HK$110,662
+HK$6,347/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$208,630/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,201
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,130
−HK$2,971/mo
Today · 4.125%
HK$115,101
baseline
▲ 0.50% · 4.625%
HK$121,168
+HK$6,067/mo
Deposit HK$9.22M · loan HK$21.52M · min. income ≈ HK$230,202/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,205
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,131
−HK$3,988/mo
Today · 4.125%
HK$134,119
baseline
▲ 0.50% · 4.625%
HK$142,280
+HK$8,161/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$268,238/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,402
−HK$7,585/mo
▼ 0.25% · 3.875%
HK$144,167
−HK$3,820/mo
Today · 4.125%
HK$147,987
baseline
▲ 0.50% · 4.625%
HK$155,788
+HK$7,801/mo
Deposit HK$3.07M · loan HK$27.67M · min. income ≈ HK$295,974/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,800 · Scale 2, in force from 26 Feb 2026)