LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,179
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,362
−HK$2,218/mo
Today · 4.125%
HK$74,580
baseline
▲ 0.50% · 4.625%
HK$79,118
+HK$4,538/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,160/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,074
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,168
−HK$2,124/mo
Today · 4.125%
HK$82,292
baseline
▲ 0.50% · 4.625%
HK$86,629
+HK$4,337/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,584/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,215
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,835
−HK$2,661/mo
Today · 4.125%
HK$89,496
baseline
▲ 0.50% · 4.625%
HK$94,942
+HK$5,446/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$178,992/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,688
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,201
−HK$2,549/mo
Today · 4.125%
HK$98,750
baseline
▲ 0.50% · 4.625%
HK$103,955
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,500/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,251
−HK$6,161/mo
▼ 0.25% · 3.875%
HK$101,307
−HK$3,105/mo
Today · 4.125%
HK$104,412
baseline
▲ 0.50% · 4.625%
HK$110,765
+HK$6,353/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$208,824/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,303
−HK$5,905/mo
▼ 0.25% · 3.875%
HK$112,235
−HK$2,973/mo
Today · 4.125%
HK$115,208
baseline
▲ 0.50% · 4.625%
HK$121,281
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.54M · min. income ≈ HK$230,416/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,323
−HK$7,921/mo
▼ 0.25% · 3.875%
HK$130,252
−HK$3,992/mo
Today · 4.125%
HK$134,244
baseline
▲ 0.50% · 4.625%
HK$142,413
+HK$8,169/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,488/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,533
−HK$7,592/mo
▼ 0.25% · 3.875%
HK$144,302
−HK$3,823/mo
Today · 4.125%
HK$148,125
baseline
▲ 0.50% · 4.625%
HK$155,933
+HK$7,808/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,250/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,018 · Scale 2, in force from 26 Feb 2026)