LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,171
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,354
−HK$2,217/mo
Today · 4.125%
HK$74,571
baseline
▲ 0.50% · 4.625%
HK$79,109
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,142/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,065
−HK$4,217/mo
▼ 0.25% · 3.875%
HK$80,158
−HK$2,124/mo
Today · 4.125%
HK$82,282
baseline
▲ 0.50% · 4.625%
HK$86,619
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,564/mo (50% DSR)
Upfront cash ≈ HK$16.69M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,205
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,825
−HK$2,661/mo
Today · 4.125%
HK$89,486
baseline
▲ 0.50% · 4.625%
HK$94,931
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,972/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,678
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,190
−HK$2,549/mo
Today · 4.125%
HK$98,739
baseline
▲ 0.50% · 4.625%
HK$103,943
+HK$5,204/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,478/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,240
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,295
−HK$3,105/mo
Today · 4.125%
HK$104,400
baseline
▲ 0.50% · 4.625%
HK$110,753
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,800/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,291
−HK$5,904/mo
▼ 0.25% · 3.875%
HK$112,222
−HK$2,973/mo
Today · 4.125%
HK$115,195
baseline
▲ 0.50% · 4.625%
HK$121,267
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,390/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,308
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,237
−HK$3,992/mo
Today · 4.125%
HK$134,229
baseline
▲ 0.50% · 4.625%
HK$142,396
+HK$8,167/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,458/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,516
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,285
−HK$3,823/mo
Today · 4.125%
HK$148,108
baseline
▲ 0.50% · 4.625%
HK$155,915
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,216/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,867 · Scale 2, in force from 26 Feb 2026)