LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,167
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,350
−HK$2,217/mo
Today · 4.125%
HK$74,567
baseline
▲ 0.50% · 4.625%
HK$79,104
+HK$4,537/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,134/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,060
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,154
−HK$2,123/mo
Today · 4.125%
HK$82,277
baseline
▲ 0.50% · 4.625%
HK$86,614
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,554/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,200
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,819
−HK$2,661/mo
Today · 4.125%
HK$89,480
baseline
▲ 0.50% · 4.625%
HK$94,925
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,960/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,672
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,184
−HK$2,549/mo
Today · 4.125%
HK$98,733
baseline
▲ 0.50% · 4.625%
HK$103,937
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,466/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,234
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,289
−HK$3,105/mo
Today · 4.125%
HK$104,394
baseline
▲ 0.50% · 4.625%
HK$110,746
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,788/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,284
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,215
−HK$2,973/mo
Today · 4.125%
HK$115,188
baseline
▲ 0.50% · 4.625%
HK$121,260
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,376/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,300
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,229
−HK$3,992/mo
Today · 4.125%
HK$134,221
baseline
▲ 0.50% · 4.625%
HK$142,388
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,442/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,508
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,276
−HK$3,823/mo
Today · 4.125%
HK$148,099
baseline
▲ 0.50% · 4.625%
HK$155,906
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,198/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,790 · Scale 2, in force from 26 Feb 2026)