LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,193
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$72,376
−HK$2,218/mo
Today · 4.125%
HK$74,594
baseline
▲ 0.50% · 4.625%
HK$79,133
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,188/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,089
−HK$4,218/mo
▼ 0.25% · 3.875%
HK$80,183
−HK$2,124/mo
Today · 4.125%
HK$82,307
baseline
▲ 0.50% · 4.625%
HK$86,646
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,614/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,231
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$86,851
−HK$2,662/mo
Today · 4.125%
HK$89,513
baseline
▲ 0.50% · 4.625%
HK$94,960
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,026/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,706
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$96,219
−HK$2,550/mo
Today · 4.125%
HK$98,769
baseline
▲ 0.50% · 4.625%
HK$103,975
+HK$5,206/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,538/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,270
−HK$6,162/mo
▼ 0.25% · 3.875%
HK$101,326
−HK$3,106/mo
Today · 4.125%
HK$104,432
baseline
▲ 0.50% · 4.625%
HK$110,786
+HK$6,354/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$208,864/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,324
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$112,256
−HK$2,974/mo
Today · 4.125%
HK$115,230
baseline
▲ 0.50% · 4.625%
HK$121,304
+HK$6,074/mo
Deposit HK$9.23M · loan HK$21.55M · min. income ≈ HK$230,460/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,347
−HK$7,923/mo
▼ 0.25% · 3.875%
HK$130,277
−HK$3,993/mo
Today · 4.125%
HK$134,270
baseline
▲ 0.50% · 4.625%
HK$142,440
+HK$8,170/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$268,540/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,559
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$144,329
−HK$3,824/mo
Today · 4.125%
HK$148,153
baseline
▲ 0.50% · 4.625%
HK$155,963
+HK$7,810/mo
Deposit HK$3.08M · loan HK$27.70M · min. income ≈ HK$296,306/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,268 · Scale 2, in force from 26 Feb 2026)