LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,160
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,343
−HK$2,217/mo
Today · 4.125%
HK$74,560
baseline
▲ 0.50% · 4.625%
HK$79,097
+HK$4,537/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$149,120/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,053
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$80,146
−HK$2,123/mo
Today · 4.125%
HK$82,269
baseline
▲ 0.50% · 4.625%
HK$86,606
+HK$4,337/mo
Deposit HK$15.38M · loan HK$15.38M · min. income ≈ HK$164,538/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,192
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,811
−HK$2,661/mo
Today · 4.125%
HK$89,472
baseline
▲ 0.50% · 4.625%
HK$94,916
+HK$5,444/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,944/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,663
−HK$5,060/mo
▼ 0.25% · 3.875%
HK$96,175
−HK$2,548/mo
Today · 4.125%
HK$98,723
baseline
▲ 0.50% · 4.625%
HK$103,927
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,446/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,224
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,280
−HK$3,104/mo
Today · 4.125%
HK$104,384
baseline
▲ 0.50% · 4.625%
HK$110,735
+HK$6,351/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,768/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,274
−HK$5,903/mo
▼ 0.25% · 3.875%
HK$112,204
−HK$2,973/mo
Today · 4.125%
HK$115,177
baseline
▲ 0.50% · 4.625%
HK$121,248
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,354/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,288
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,217
−HK$3,991/mo
Today · 4.125%
HK$134,208
baseline
▲ 0.50% · 4.625%
HK$142,374
+HK$8,166/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,416/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,495
−HK$7,590/mo
▼ 0.25% · 3.875%
HK$144,263
−HK$3,822/mo
Today · 4.125%
HK$148,085
baseline
▲ 0.50% · 4.625%
HK$155,891
+HK$7,806/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,170/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,665 · Scale 2, in force from 26 Feb 2026)