LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,208
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,392
−HK$2,219/mo
Today · 4.125%
HK$74,611
baseline
▲ 0.50% · 4.625%
HK$79,151
+HK$4,540/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,222/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,106
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,125/mo
Today · 4.125%
HK$82,326
baseline
▲ 0.50% · 4.625%
HK$86,665
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,652/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,250
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,871
−HK$2,662/mo
Today · 4.125%
HK$89,533
baseline
▲ 0.50% · 4.625%
HK$94,981
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,066/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,727
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,241
−HK$2,550/mo
Today · 4.125%
HK$98,791
baseline
▲ 0.50% · 4.625%
HK$103,998
+HK$5,207/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,582/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,292
−HK$6,163/mo
▼ 0.25% · 3.875%
HK$101,349
−HK$3,106/mo
Today · 4.125%
HK$104,455
baseline
▲ 0.50% · 4.625%
HK$110,811
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,910/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,348
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,281
−HK$2,975/mo
Today · 4.125%
HK$115,256
baseline
▲ 0.50% · 4.625%
HK$121,331
+HK$6,075/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,512/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,375
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,306
−HK$3,994/mo
Today · 4.125%
HK$134,300
baseline
▲ 0.50% · 4.625%
HK$142,471
+HK$8,171/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,600/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,591
−HK$7,595/mo
▼ 0.25% · 3.875%
HK$144,361
−HK$3,825/mo
Today · 4.125%
HK$148,186
baseline
▲ 0.50% · 4.625%
HK$155,998
+HK$7,812/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,560 · Scale 2, in force from 26 Feb 2026)