LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,133
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,314
−HK$2,217/mo
Today · 4.125%
HK$74,531
baseline
▲ 0.50% · 4.625%
HK$79,066
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,062/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,022
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$80,114
−HK$2,123/mo
Today · 4.125%
HK$82,237
baseline
▲ 0.50% · 4.625%
HK$86,572
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,474/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,159
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,777
−HK$2,660/mo
Today · 4.125%
HK$89,437
baseline
▲ 0.50% · 4.625%
HK$94,879
+HK$5,442/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,874/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,626
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,137
−HK$2,548/mo
Today · 4.125%
HK$98,685
baseline
▲ 0.50% · 4.625%
HK$103,886
+HK$5,201/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,370/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,186
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,240
−HK$3,103/mo
Today · 4.125%
HK$104,343
baseline
▲ 0.50% · 4.625%
HK$110,692
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,686/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,231
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$112,160
−HK$2,972/mo
Today · 4.125%
HK$115,132
baseline
▲ 0.50% · 4.625%
HK$121,201
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,264/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,239
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,165
−HK$3,990/mo
Today · 4.125%
HK$134,155
baseline
▲ 0.50% · 4.625%
HK$142,318
+HK$8,163/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,310/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,439
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,206
−HK$3,821/mo
Today · 4.125%
HK$148,027
baseline
▲ 0.50% · 4.625%
HK$155,829
+HK$7,802/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,054/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,150 · Scale 2, in force from 26 Feb 2026)