LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,202
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,386
−HK$2,219/mo
Today · 4.125%
HK$74,605
baseline
▲ 0.50% · 4.625%
HK$79,144
+HK$4,539/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,210/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,099
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,194
−HK$2,125/mo
Today · 4.125%
HK$82,319
baseline
▲ 0.50% · 4.625%
HK$86,658
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,638/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,243
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,863
−HK$2,663/mo
Today · 4.125%
HK$89,526
baseline
▲ 0.50% · 4.625%
HK$94,973
+HK$5,447/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$179,052/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,719
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,233
−HK$2,550/mo
Today · 4.125%
HK$98,783
baseline
▲ 0.50% · 4.625%
HK$103,990
+HK$5,207/mo
Deposit HK$12.31M · loan HK$18.47M · min. income ≈ HK$197,566/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,283
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,340
−HK$3,106/mo
Today · 4.125%
HK$104,446
baseline
▲ 0.50% · 4.625%
HK$110,802
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,892/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,339
−HK$5,907/mo
▼ 0.25% · 3.875%
HK$112,272
−HK$2,974/mo
Today · 4.125%
HK$115,246
baseline
▲ 0.50% · 4.625%
HK$121,321
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,492/mo (50% DSR)
Upfront cash ≈ HK$10.54M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,364
−HK$7,924/mo
▼ 0.25% · 3.875%
HK$130,295
−HK$3,993/mo
Today · 4.125%
HK$134,288
baseline
▲ 0.50% · 4.625%
HK$142,459
+HK$8,171/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,576/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,579
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,349
−HK$3,825/mo
Today · 4.125%
HK$148,174
baseline
▲ 0.50% · 4.625%
HK$155,984
+HK$7,810/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,348/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,449 · Scale 2, in force from 26 Feb 2026)