LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,131
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,312
−HK$2,217/mo
Today · 4.125%
HK$74,529
baseline
▲ 0.50% · 4.625%
HK$79,064
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,058/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,020
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,113
−HK$2,122/mo
Today · 4.125%
HK$82,235
baseline
▲ 0.50% · 4.625%
HK$86,570
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,470/mo (50% DSR)
Upfront cash ≈ HK$16.68M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,157
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,775
−HK$2,660/mo
Today · 4.125%
HK$89,435
baseline
▲ 0.50% · 4.625%
HK$94,877
+HK$5,442/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,870/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,624
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$96,135
−HK$2,547/mo
Today · 4.125%
HK$98,682
baseline
▲ 0.50% · 4.625%
HK$103,884
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,364/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,183
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,237
−HK$3,103/mo
Today · 4.125%
HK$104,340
baseline
▲ 0.50% · 4.625%
HK$110,689
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,680/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,228
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,158
−HK$2,971/mo
Today · 4.125%
HK$115,129
baseline
▲ 0.50% · 4.625%
HK$121,198
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,258/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,236
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,162
−HK$3,990/mo
Today · 4.125%
HK$134,152
baseline
▲ 0.50% · 4.625%
HK$142,315
+HK$8,163/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,304/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,436
−HK$7,587/mo
▼ 0.25% · 3.875%
HK$144,203
−HK$3,820/mo
Today · 4.125%
HK$148,023
baseline
▲ 0.50% · 4.625%
HK$155,826
+HK$7,803/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,046/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,120 · Scale 2, in force from 26 Feb 2026)