LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,152
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,334
−HK$2,217/mo
Today · 4.125%
HK$74,551
baseline
▲ 0.50% · 4.625%
HK$79,088
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,102/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,044
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,137
−HK$2,123/mo
Today · 4.125%
HK$82,260
baseline
▲ 0.50% · 4.625%
HK$86,596
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,520/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,183
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,801
−HK$2,661/mo
Today · 4.125%
HK$89,462
baseline
▲ 0.50% · 4.625%
HK$94,905
+HK$5,443/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,924/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,652
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,164
−HK$2,548/mo
Today · 4.125%
HK$98,712
baseline
▲ 0.50% · 4.625%
HK$103,915
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,424/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,213
−HK$6,159/mo
▼ 0.25% · 3.875%
HK$101,268
−HK$3,104/mo
Today · 4.125%
HK$104,372
baseline
▲ 0.50% · 4.625%
HK$110,723
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,744/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,261
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,192
−HK$2,972/mo
Today · 4.125%
HK$115,164
baseline
▲ 0.50% · 4.625%
HK$121,235
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,328/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,274
−HK$7,919/mo
▼ 0.25% · 3.875%
HK$130,202
−HK$3,991/mo
Today · 4.125%
HK$134,193
baseline
▲ 0.50% · 4.625%
HK$142,358
+HK$8,165/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,386/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,479
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,246
−HK$3,822/mo
Today · 4.125%
HK$148,068
baseline
▲ 0.50% · 4.625%
HK$155,873
+HK$7,805/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,136/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,517 · Scale 2, in force from 26 Feb 2026)