LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,140
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$72,322
−HK$2,216/mo
Today · 4.125%
HK$74,538
baseline
▲ 0.50% · 4.625%
HK$79,074
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,076/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,030
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,123
−HK$2,123/mo
Today · 4.125%
HK$82,246
baseline
▲ 0.50% · 4.625%
HK$86,581
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,492/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,168
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,786
−HK$2,660/mo
Today · 4.125%
HK$89,446
baseline
▲ 0.50% · 4.625%
HK$94,889
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$178,892/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,636
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,147
−HK$2,548/mo
Today · 4.125%
HK$98,695
baseline
▲ 0.50% · 4.625%
HK$103,897
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$197,390/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,196
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,250
−HK$3,104/mo
Today · 4.125%
HK$104,354
baseline
▲ 0.50% · 4.625%
HK$110,703
+HK$6,349/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,708/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,242
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,172
−HK$2,972/mo
Today · 4.125%
HK$115,144
baseline
▲ 0.50% · 4.625%
HK$121,213
+HK$6,069/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,288/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,252
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,179
−HK$3,990/mo
Today · 4.125%
HK$134,169
baseline
▲ 0.50% · 4.625%
HK$142,333
+HK$8,164/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$268,338/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,454
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$144,221
−HK$3,821/mo
Today · 4.125%
HK$148,042
baseline
▲ 0.50% · 4.625%
HK$155,846
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.68M · min. income ≈ HK$296,084/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,286 · Scale 2, in force from 26 Feb 2026)