LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,148
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,330
−HK$2,217/mo
Today · 4.125%
HK$74,547
baseline
▲ 0.50% · 4.625%
HK$79,083
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,094/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,039
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,132
−HK$2,123/mo
Today · 4.125%
HK$82,255
baseline
▲ 0.50% · 4.625%
HK$86,591
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,510/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,177
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,796
−HK$2,660/mo
Today · 4.125%
HK$89,456
baseline
▲ 0.50% · 4.625%
HK$94,899
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,912/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,646
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,158
−HK$2,548/mo
Today · 4.125%
HK$98,706
baseline
▲ 0.50% · 4.625%
HK$103,909
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,412/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,207
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,262
−HK$3,103/mo
Today · 4.125%
HK$104,365
baseline
▲ 0.50% · 4.625%
HK$110,716
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,730/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,254
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,184
−HK$2,973/mo
Today · 4.125%
HK$115,157
baseline
▲ 0.50% · 4.625%
HK$121,227
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,314/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,266
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,193
−HK$3,991/mo
Today · 4.125%
HK$134,184
baseline
▲ 0.50% · 4.625%
HK$142,349
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,368/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,469
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,237
−HK$3,822/mo
Today · 4.125%
HK$148,059
baseline
▲ 0.50% · 4.625%
HK$155,863
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,118/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,430 · Scale 2, in force from 26 Feb 2026)