LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,147
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,329
−HK$2,217/mo
Today · 4.125%
HK$74,546
baseline
▲ 0.50% · 4.625%
HK$79,082
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,092/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,038
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,131
−HK$2,123/mo
Today · 4.125%
HK$82,254
baseline
▲ 0.50% · 4.625%
HK$86,589
+HK$4,335/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,508/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,176
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,795
−HK$2,660/mo
Today · 4.125%
HK$89,455
baseline
▲ 0.50% · 4.625%
HK$94,898
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,910/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,645
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,157
−HK$2,547/mo
Today · 4.125%
HK$98,704
baseline
▲ 0.50% · 4.625%
HK$103,907
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,408/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,206
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,260
−HK$3,104/mo
Today · 4.125%
HK$104,364
baseline
▲ 0.50% · 4.625%
HK$110,714
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,728/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,253
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,183
−HK$2,972/mo
Today · 4.125%
HK$115,155
baseline
▲ 0.50% · 4.625%
HK$121,225
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,310/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,264
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,192
−HK$3,990/mo
Today · 4.125%
HK$134,182
baseline
▲ 0.50% · 4.625%
HK$142,347
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,364/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,468
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,235
−HK$3,822/mo
Today · 4.125%
HK$148,057
baseline
▲ 0.50% · 4.625%
HK$155,861
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,114/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,414 · Scale 2, in force from 26 Feb 2026)