LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,121
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,302
−HK$2,216/mo
Today · 4.125%
HK$74,518
baseline
▲ 0.50% · 4.625%
HK$79,052
+HK$4,534/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,036/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,009
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,101
−HK$2,122/mo
Today · 4.125%
HK$82,223
baseline
▲ 0.50% · 4.625%
HK$86,557
+HK$4,334/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,446/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,145
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,762
−HK$2,660/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,863
+HK$5,441/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,844/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,610
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,121
−HK$2,547/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$103,869
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,169
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,223
−HK$3,102/mo
Today · 4.125%
HK$104,325
baseline
▲ 0.50% · 4.625%
HK$110,673
+HK$6,348/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,650/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,212
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$112,141
−HK$2,971/mo
Today · 4.125%
HK$115,112
baseline
▲ 0.50% · 4.625%
HK$121,180
+HK$6,068/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,224/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,217
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,143
−HK$3,989/mo
Today · 4.125%
HK$134,132
baseline
▲ 0.50% · 4.625%
HK$142,294
+HK$8,162/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,264/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,416
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,181
−HK$3,821/mo
Today · 4.125%
HK$148,002
baseline
▲ 0.50% · 4.625%
HK$155,803
+HK$7,801/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,004/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,929 · Scale 2, in force from 26 Feb 2026)