LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,209
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$72,393
−HK$2,219/mo
Today · 4.125%
HK$74,612
baseline
▲ 0.50% · 4.625%
HK$79,152
+HK$4,540/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$149,224/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,107
−HK$4,220/mo
▼ 0.25% · 3.875%
HK$80,201
−HK$2,126/mo
Today · 4.125%
HK$82,327
baseline
▲ 0.50% · 4.625%
HK$86,666
+HK$4,339/mo
Deposit HK$15.39M · loan HK$15.39M · min. income ≈ HK$164,654/mo (50% DSR)
Upfront cash ≈ HK$16.70M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,251
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$86,871
−HK$2,663/mo
Today · 4.125%
HK$89,534
baseline
▲ 0.50% · 4.625%
HK$94,982
+HK$5,448/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$179,068/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,728
−HK$5,064/mo
▼ 0.25% · 3.875%
HK$96,242
−HK$2,550/mo
Today · 4.125%
HK$98,792
baseline
▲ 0.50% · 4.625%
HK$103,999
+HK$5,207/mo
Deposit HK$12.32M · loan HK$18.47M · min. income ≈ HK$197,584/mo (50% DSR)
Upfront cash ≈ HK$13.62M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,292
−HK$6,164/mo
▼ 0.25% · 3.875%
HK$101,350
−HK$3,106/mo
Today · 4.125%
HK$104,456
baseline
▲ 0.50% · 4.625%
HK$110,812
+HK$6,356/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$208,912/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,349
−HK$5,908/mo
▼ 0.25% · 3.875%
HK$112,282
−HK$2,975/mo
Today · 4.125%
HK$115,257
baseline
▲ 0.50% · 4.625%
HK$121,333
+HK$6,076/mo
Deposit HK$9.24M · loan HK$21.55M · min. income ≈ HK$230,514/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,376
−HK$7,925/mo
▼ 0.25% · 3.875%
HK$130,307
−HK$3,994/mo
Today · 4.125%
HK$134,301
baseline
▲ 0.50% · 4.625%
HK$142,473
+HK$8,172/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$268,602/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,592
−HK$7,596/mo
▼ 0.25% · 3.875%
HK$144,363
−HK$3,825/mo
Today · 4.125%
HK$148,188
baseline
▲ 0.50% · 4.625%
HK$155,999
+HK$7,811/mo
Deposit HK$3.08M · loan HK$27.71M · min. income ≈ HK$296,376/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,308,572 · Scale 2, in force from 26 Feb 2026)