LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,125
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$72,306
−HK$2,216/mo
Today · 4.125%
HK$74,522
baseline
▲ 0.50% · 4.625%
HK$79,057
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,044/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,013
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,105
−HK$2,123/mo
Today · 4.125%
HK$82,228
baseline
▲ 0.50% · 4.625%
HK$86,562
+HK$4,334/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,456/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,150
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,767
−HK$2,660/mo
Today · 4.125%
HK$89,427
baseline
▲ 0.50% · 4.625%
HK$94,868
+HK$5,441/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,854/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,616
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$96,126
−HK$2,547/mo
Today · 4.125%
HK$98,673
baseline
▲ 0.50% · 4.625%
HK$103,875
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,346/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,175
−HK$6,156/mo
▼ 0.25% · 3.875%
HK$101,228
−HK$3,103/mo
Today · 4.125%
HK$104,331
baseline
▲ 0.50% · 4.625%
HK$110,679
+HK$6,348/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,662/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,218
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,147
−HK$2,972/mo
Today · 4.125%
HK$115,119
baseline
▲ 0.50% · 4.625%
HK$121,187
+HK$6,068/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,238/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,224
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,151
−HK$3,989/mo
Today · 4.125%
HK$134,140
baseline
▲ 0.50% · 4.625%
HK$142,302
+HK$8,162/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,280/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,423
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,190
−HK$3,820/mo
Today · 4.125%
HK$148,010
baseline
▲ 0.50% · 4.625%
HK$155,812
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,020/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,002 · Scale 2, in force from 26 Feb 2026)