LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,118
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,299
−HK$2,216/mo
Today · 4.125%
HK$74,515
baseline
▲ 0.50% · 4.625%
HK$79,049
+HK$4,534/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,030/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,006
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,098
−HK$2,122/mo
Today · 4.125%
HK$82,220
baseline
▲ 0.50% · 4.625%
HK$86,554
+HK$4,334/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,440/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,142
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,759
−HK$2,659/mo
Today · 4.125%
HK$89,418
baseline
▲ 0.50% · 4.625%
HK$94,859
+HK$5,441/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,836/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,607
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,117
−HK$2,547/mo
Today · 4.125%
HK$98,664
baseline
▲ 0.50% · 4.625%
HK$103,865
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,328/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,166
−HK$6,155/mo
▼ 0.25% · 3.875%
HK$101,219
−HK$3,102/mo
Today · 4.125%
HK$104,321
baseline
▲ 0.50% · 4.625%
HK$110,669
+HK$6,348/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,642/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,208
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,137
−HK$2,971/mo
Today · 4.125%
HK$115,108
baseline
▲ 0.50% · 4.625%
HK$121,176
+HK$6,068/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,216/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,213
−HK$7,914/mo
▼ 0.25% · 3.875%
HK$130,139
−HK$3,988/mo
Today · 4.125%
HK$134,127
baseline
▲ 0.50% · 4.625%
HK$142,289
+HK$8,162/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,254/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,410
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,176
−HK$3,820/mo
Today · 4.125%
HK$147,996
baseline
▲ 0.50% · 4.625%
HK$155,798
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$295,992/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,882 · Scale 2, in force from 26 Feb 2026)