LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,188
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,371
−HK$2,218/mo
Today · 4.125%
HK$74,589
baseline
▲ 0.50% · 4.625%
HK$79,128
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,178/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,083
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,177
−HK$2,125/mo
Today · 4.125%
HK$82,302
baseline
▲ 0.50% · 4.625%
HK$86,640
+HK$4,338/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,604/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,225
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,845
−HK$2,662/mo
Today · 4.125%
HK$89,507
baseline
▲ 0.50% · 4.625%
HK$94,953
+HK$5,446/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,014/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,700
−HK$5,062/mo
▼ 0.25% · 3.875%
HK$96,213
−HK$2,549/mo
Today · 4.125%
HK$98,762
baseline
▲ 0.50% · 4.625%
HK$103,968
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,524/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,263
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,319
−HK$3,106/mo
Today · 4.125%
HK$104,425
baseline
▲ 0.50% · 4.625%
HK$110,779
+HK$6,354/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,850/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,316
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,248
−HK$2,974/mo
Today · 4.125%
HK$115,222
baseline
▲ 0.50% · 4.625%
HK$121,296
+HK$6,074/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,444/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,338
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$130,268
−HK$3,992/mo
Today · 4.125%
HK$134,260
baseline
▲ 0.50% · 4.625%
HK$142,430
+HK$8,170/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,520/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,549
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$144,319
−HK$3,824/mo
Today · 4.125%
HK$148,143
baseline
▲ 0.50% · 4.625%
HK$155,952
+HK$7,809/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,286/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,175 · Scale 2, in force from 26 Feb 2026)