LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,121
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,303
−HK$2,216/mo
Today · 4.125%
HK$74,519
baseline
▲ 0.50% · 4.625%
HK$79,053
+HK$4,534/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,038/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,009
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,102
−HK$2,122/mo
Today · 4.125%
HK$82,224
baseline
▲ 0.50% · 4.625%
HK$86,558
+HK$4,334/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,448/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,146
−HK$5,276/mo
▼ 0.25% · 3.875%
HK$86,763
−HK$2,659/mo
Today · 4.125%
HK$89,422
baseline
▲ 0.50% · 4.625%
HK$94,864
+HK$5,442/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$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,611
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,122
−HK$2,547/mo
Today · 4.125%
HK$98,669
baseline
▲ 0.50% · 4.625%
HK$103,870
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,338/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,170
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,224
−HK$3,102/mo
Today · 4.125%
HK$104,326
baseline
▲ 0.50% · 4.625%
HK$110,674
+HK$6,348/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,652/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,213
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,142
−HK$2,972/mo
Today · 4.125%
HK$115,114
baseline
▲ 0.50% · 4.625%
HK$121,181
+HK$6,067/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,228/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,219
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,145
−HK$3,989/mo
Today · 4.125%
HK$134,134
baseline
▲ 0.50% · 4.625%
HK$142,295
+HK$8,161/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,268/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,417
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$144,183
−HK$3,820/mo
Today · 4.125%
HK$148,003
baseline
▲ 0.50% · 4.625%
HK$155,805
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,006/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,306,942 · Scale 2, in force from 26 Feb 2026)