LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,177
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$72,360
−HK$2,217/mo
Today · 4.125%
HK$74,577
baseline
▲ 0.50% · 4.625%
HK$79,115
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,154/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,071
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,165
−HK$2,124/mo
Today · 4.125%
HK$82,289
baseline
▲ 0.50% · 4.625%
HK$86,626
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,578/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,212
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,832
−HK$2,661/mo
Today · 4.125%
HK$89,493
baseline
▲ 0.50% · 4.625%
HK$94,938
+HK$5,445/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$178,986/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,685
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,198
−HK$2,549/mo
Today · 4.125%
HK$98,747
baseline
▲ 0.50% · 4.625%
HK$103,952
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,494/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,248
−HK$6,160/mo
▼ 0.25% · 3.875%
HK$101,304
−HK$3,104/mo
Today · 4.125%
HK$104,408
baseline
▲ 0.50% · 4.625%
HK$110,761
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,816/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,299
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,231
−HK$2,973/mo
Today · 4.125%
HK$115,204
baseline
▲ 0.50% · 4.625%
HK$121,277
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,408/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,318
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,247
−HK$3,992/mo
Today · 4.125%
HK$134,239
baseline
▲ 0.50% · 4.625%
HK$142,408
+HK$8,169/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,478/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,528
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,297
−HK$3,823/mo
Today · 4.125%
HK$148,120
baseline
▲ 0.50% · 4.625%
HK$155,928
+HK$7,808/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,240/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,307,973 · Scale 2, in force from 26 Feb 2026)