LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,189
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,372
−HK$2,218/mo
Today · 4.125%
HK$74,590
baseline
▲ 0.50% · 4.625%
HK$79,129
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,180/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,084
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,178
−HK$2,125/mo
Today · 4.125%
HK$82,303
baseline
▲ 0.50% · 4.625%
HK$86,641
+HK$4,338/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,606/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,227
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,846
−HK$2,662/mo
Today · 4.125%
HK$89,508
baseline
▲ 0.50% · 4.625%
HK$94,955
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,016/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,701
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,214
−HK$2,550/mo
Today · 4.125%
HK$98,764
baseline
▲ 0.50% · 4.625%
HK$103,969
+HK$5,205/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,528/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,264
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,321
−HK$3,105/mo
Today · 4.125%
HK$104,426
baseline
▲ 0.50% · 4.625%
HK$110,780
+HK$6,354/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,852/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,318
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,250
−HK$2,974/mo
Today · 4.125%
HK$115,224
baseline
▲ 0.50% · 4.625%
HK$121,298
+HK$6,074/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,448/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,340
−HK$7,922/mo
▼ 0.25% · 3.875%
HK$130,270
−HK$3,992/mo
Today · 4.125%
HK$134,262
baseline
▲ 0.50% · 4.625%
HK$142,432
+HK$8,170/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,524/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,552
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,321
−HK$3,824/mo
Today · 4.125%
HK$148,145
baseline
▲ 0.50% · 4.625%
HK$155,954
+HK$7,809/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,290/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,196 · Scale 2, in force from 26 Feb 2026)