LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,168
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,350
−HK$2,218/mo
Today · 4.125%
HK$74,568
baseline
▲ 0.50% · 4.625%
HK$79,105
+HK$4,537/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,136/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,061
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,154
−HK$2,124/mo
Today · 4.125%
HK$82,278
baseline
▲ 0.50% · 4.625%
HK$86,615
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,556/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,201
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$86,820
−HK$2,661/mo
Today · 4.125%
HK$89,481
baseline
▲ 0.50% · 4.625%
HK$94,926
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,962/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,673
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,185
−HK$2,549/mo
Today · 4.125%
HK$98,734
baseline
▲ 0.50% · 4.625%
HK$103,938
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,468/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,235
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,290
−HK$3,105/mo
Today · 4.125%
HK$104,395
baseline
▲ 0.50% · 4.625%
HK$110,747
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,790/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,285
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,216
−HK$2,974/mo
Today · 4.125%
HK$115,190
baseline
▲ 0.50% · 4.625%
HK$121,261
+HK$6,071/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,380/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,302
−HK$7,920/mo
▼ 0.25% · 3.875%
HK$130,231
−HK$3,991/mo
Today · 4.125%
HK$134,222
baseline
▲ 0.50% · 4.625%
HK$142,389
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$268,444/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,510
−HK$7,591/mo
▼ 0.25% · 3.875%
HK$144,278
−HK$3,823/mo
Today · 4.125%
HK$148,101
baseline
▲ 0.50% · 4.625%
HK$155,907
+HK$7,806/mo
Deposit HK$3.08M · loan HK$27.69M · min. income ≈ HK$296,202/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,307,804 · Scale 2, in force from 26 Feb 2026)