LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,149
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,331
−HK$2,217/mo
Today · 4.125%
HK$74,548
baseline
▲ 0.50% · 4.625%
HK$79,084
+HK$4,536/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,096/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,040
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,133
−HK$2,123/mo
Today · 4.125%
HK$82,256
baseline
▲ 0.50% · 4.625%
HK$86,592
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,512/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,178
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,797
−HK$2,660/mo
Today · 4.125%
HK$89,457
baseline
▲ 0.50% · 4.625%
HK$94,900
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,914/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,648
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$96,159
−HK$2,548/mo
Today · 4.125%
HK$98,707
baseline
▲ 0.50% · 4.625%
HK$103,910
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,414/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,208
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,263
−HK$3,104/mo
Today · 4.125%
HK$104,367
baseline
▲ 0.50% · 4.625%
HK$110,717
+HK$6,350/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$208,734/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,256
−HK$5,902/mo
▼ 0.25% · 3.875%
HK$112,186
−HK$2,972/mo
Today · 4.125%
HK$115,158
baseline
▲ 0.50% · 4.625%
HK$121,229
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.53M · min. income ≈ HK$230,316/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,268
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,195
−HK$3,991/mo
Today · 4.125%
HK$134,186
baseline
▲ 0.50% · 4.625%
HK$142,351
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,372/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,472
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,239
−HK$3,822/mo
Today · 4.125%
HK$148,061
baseline
▲ 0.50% · 4.625%
HK$155,865
+HK$7,804/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,122/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,450 · Scale 2, in force from 26 Feb 2026)