LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,126
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,307
−HK$2,217/mo
Today · 4.125%
HK$74,524
baseline
▲ 0.50% · 4.625%
HK$79,058
+HK$4,534/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,048/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,015
−HK$4,214/mo
▼ 0.25% · 3.875%
HK$80,107
−HK$2,122/mo
Today · 4.125%
HK$82,229
baseline
▲ 0.50% · 4.625%
HK$86,564
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,458/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$5,277/mo
▼ 0.25% · 3.875%
HK$86,769
−HK$2,659/mo
Today · 4.125%
HK$89,428
baseline
▲ 0.50% · 4.625%
HK$94,870
+HK$5,442/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,856/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,617
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,128
−HK$2,547/mo
Today · 4.125%
HK$98,675
baseline
▲ 0.50% · 4.625%
HK$103,877
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,350/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,176
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,230
−HK$3,103/mo
Today · 4.125%
HK$104,333
baseline
▲ 0.50% · 4.625%
HK$110,681
+HK$6,348/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,666/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,220
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,150
−HK$2,971/mo
Today · 4.125%
HK$115,121
baseline
▲ 0.50% · 4.625%
HK$121,189
+HK$6,068/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,242/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,227
−HK$7,915/mo
▼ 0.25% · 3.875%
HK$130,153
−HK$3,989/mo
Today · 4.125%
HK$134,142
baseline
▲ 0.50% · 4.625%
HK$142,305
+HK$8,163/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,284/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,426
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,192
−HK$3,821/mo
Today · 4.125%
HK$148,013
baseline
▲ 0.50% · 4.625%
HK$155,815
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,026/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,028 · Scale 2, in force from 26 Feb 2026)