LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,190
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,373
−HK$2,218/mo
Today · 4.125%
HK$74,591
baseline
▲ 0.50% · 4.625%
HK$79,130
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,182/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,085
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$80,180
−HK$2,124/mo
Today · 4.125%
HK$82,304
baseline
▲ 0.50% · 4.625%
HK$86,642
+HK$4,338/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,608/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,228
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$86,848
−HK$2,661/mo
Today · 4.125%
HK$89,509
baseline
▲ 0.50% · 4.625%
HK$94,956
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,018/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,702
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,215
−HK$2,550/mo
Today · 4.125%
HK$98,765
baseline
▲ 0.50% · 4.625%
HK$103,971
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,530/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,266
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,322
−HK$3,106/mo
Today · 4.125%
HK$104,428
baseline
▲ 0.50% · 4.625%
HK$110,782
+HK$6,354/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,856/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,319
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,251
−HK$2,975/mo
Today · 4.125%
HK$115,226
baseline
▲ 0.50% · 4.625%
HK$121,299
+HK$6,073/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,452/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,341
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,271
−HK$3,993/mo
Today · 4.125%
HK$134,264
baseline
▲ 0.50% · 4.625%
HK$142,434
+HK$8,170/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,528/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,554
−HK$7,593/mo
▼ 0.25% · 3.875%
HK$144,323
−HK$3,824/mo
Today · 4.125%
HK$148,147
baseline
▲ 0.50% · 4.625%
HK$155,956
+HK$7,809/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,294/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,214 · Scale 2, in force from 26 Feb 2026)