LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,153
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$72,335
−HK$2,217/mo
Today · 4.125%
HK$74,552
baseline
▲ 0.50% · 4.625%
HK$79,089
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,104/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,045
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,138
−HK$2,123/mo
Today · 4.125%
HK$82,261
baseline
▲ 0.50% · 4.625%
HK$86,597
+HK$4,336/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,522/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,184
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$86,802
−HK$2,661/mo
Today · 4.125%
HK$89,463
baseline
▲ 0.50% · 4.625%
HK$94,907
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,926/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,654
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,165
−HK$2,549/mo
Today · 4.125%
HK$98,714
baseline
▲ 0.50% · 4.625%
HK$103,917
+HK$5,203/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,428/mo (50% DSR)
Upfront cash ≈ HK$13.61M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,215
−HK$6,158/mo
▼ 0.25% · 3.875%
HK$101,270
−HK$3,103/mo
Today · 4.125%
HK$104,373
baseline
▲ 0.50% · 4.625%
HK$110,724
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,746/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,263
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,193
−HK$2,973/mo
Today · 4.125%
HK$115,166
baseline
▲ 0.50% · 4.625%
HK$121,236
+HK$6,070/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,332/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,276
−HK$7,918/mo
▼ 0.25% · 3.875%
HK$130,204
−HK$3,990/mo
Today · 4.125%
HK$134,194
baseline
▲ 0.50% · 4.625%
HK$142,360
+HK$8,166/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,388/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,481
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$144,248
−HK$3,822/mo
Today · 4.125%
HK$148,070
baseline
▲ 0.50% · 4.625%
HK$155,875
+HK$7,805/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,140/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,534 · Scale 2, in force from 26 Feb 2026)