LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,174
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,356
−HK$2,218/mo
Today · 4.125%
HK$74,574
baseline
▲ 0.50% · 4.625%
HK$79,112
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,148/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,067
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,161
−HK$2,124/mo
Today · 4.125%
HK$82,285
baseline
▲ 0.50% · 4.625%
HK$86,622
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,570/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,208
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,828
−HK$2,661/mo
Today · 4.125%
HK$89,489
baseline
▲ 0.50% · 4.625%
HK$94,934
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$178,978/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,681
−HK$5,061/mo
▼ 0.25% · 3.875%
HK$96,193
−HK$2,549/mo
Today · 4.125%
HK$98,742
baseline
▲ 0.50% · 4.625%
HK$103,947
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.46M · min. income ≈ HK$197,484/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,243
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,299
−HK$3,105/mo
Today · 4.125%
HK$104,404
baseline
▲ 0.50% · 4.625%
HK$110,756
+HK$6,352/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,808/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,294
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,226
−HK$2,973/mo
Today · 4.125%
HK$115,199
baseline
▲ 0.50% · 4.625%
HK$121,271
+HK$6,072/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,398/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,312
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,241
−HK$3,992/mo
Today · 4.125%
HK$134,233
baseline
▲ 0.50% · 4.625%
HK$142,401
+HK$8,168/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,466/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,521
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,290
−HK$3,823/mo
Today · 4.125%
HK$148,113
baseline
▲ 0.50% · 4.625%
HK$155,920
+HK$7,807/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,226/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,913 · Scale 2, in force from 26 Feb 2026)