LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,145
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,327
−HK$2,217/mo
Today · 4.125%
HK$74,544
baseline
▲ 0.50% · 4.625%
HK$79,080
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,088/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,036
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,129
−HK$2,123/mo
Today · 4.125%
HK$82,252
baseline
▲ 0.50% · 4.625%
HK$86,588
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,504/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,175
−HK$5,278/mo
▼ 0.25% · 3.875%
HK$86,793
−HK$2,660/mo
Today · 4.125%
HK$89,453
baseline
▲ 0.50% · 4.625%
HK$94,896
+HK$5,443/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$178,906/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,643
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,155
−HK$2,548/mo
Today · 4.125%
HK$98,703
baseline
▲ 0.50% · 4.625%
HK$103,905
+HK$5,202/mo
Deposit HK$12.30M · loan HK$18.46M · min. income ≈ HK$197,406/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,204
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,258
−HK$3,104/mo
Today · 4.125%
HK$104,362
baseline
▲ 0.50% · 4.625%
HK$110,712
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,724/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,251
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,181
−HK$2,972/mo
Today · 4.125%
HK$115,153
baseline
▲ 0.50% · 4.625%
HK$121,223
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,306/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,262
−HK$7,917/mo
▼ 0.25% · 3.875%
HK$130,189
−HK$3,990/mo
Today · 4.125%
HK$134,179
baseline
▲ 0.50% · 4.625%
HK$142,344
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,358/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,465
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,232
−HK$3,822/mo
Today · 4.125%
HK$148,054
baseline
▲ 0.50% · 4.625%
HK$155,858
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,108/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,389 · Scale 2, in force from 26 Feb 2026)