LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,135
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,317
−HK$2,216/mo
Today · 4.125%
HK$74,533
baseline
▲ 0.50% · 4.625%
HK$79,068
+HK$4,535/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,066/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,024
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,117
−HK$2,123/mo
Today · 4.125%
HK$82,240
baseline
▲ 0.50% · 4.625%
HK$86,575
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,480/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,162
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,780
−HK$2,660/mo
Today · 4.125%
HK$89,440
baseline
▲ 0.50% · 4.625%
HK$94,882
+HK$5,442/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$178,880/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,629
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,140
−HK$2,548/mo
Today · 4.125%
HK$98,688
baseline
▲ 0.50% · 4.625%
HK$103,890
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.45M · min. income ≈ HK$197,376/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,189
−HK$6,157/mo
▼ 0.25% · 3.875%
HK$101,243
−HK$3,103/mo
Today · 4.125%
HK$104,346
baseline
▲ 0.50% · 4.625%
HK$110,695
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,692/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,234
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,164
−HK$2,972/mo
Today · 4.125%
HK$115,136
baseline
▲ 0.50% · 4.625%
HK$121,205
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,272/mo (50% DSR)
Upfront cash ≈ HK$10.53M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,243
−HK$7,916/mo
▼ 0.25% · 3.875%
HK$130,170
−HK$3,989/mo
Today · 4.125%
HK$134,159
baseline
▲ 0.50% · 4.625%
HK$142,323
+HK$8,164/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,318/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,444
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,211
−HK$3,821/mo
Today · 4.125%
HK$148,032
baseline
▲ 0.50% · 4.625%
HK$155,835
+HK$7,803/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,064/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,194 · Scale 2, in force from 26 Feb 2026)