LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,256
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,442
−HK$2,220/mo
Today · 4.125%
HK$74,662
baseline
▲ 0.50% · 4.625%
HK$79,205
+HK$4,543/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,324/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,159
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,256
−HK$2,126/mo
Today · 4.125%
HK$82,382
baseline
▲ 0.50% · 4.625%
HK$86,725
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,764/mo (50% DSR)
Upfront cash ≈ HK$16.71M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,307
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,930
−HK$2,664/mo
Today · 4.125%
HK$89,594
baseline
▲ 0.50% · 4.625%
HK$95,046
+HK$5,452/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,188/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,791
−HK$5,067/mo
▼ 0.25% · 3.875%
HK$96,307
−HK$2,551/mo
Today · 4.125%
HK$98,858
baseline
▲ 0.50% · 4.625%
HK$104,069
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,716/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,359
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,418
−HK$3,109/mo
Today · 4.125%
HK$104,527
baseline
▲ 0.50% · 4.625%
HK$110,887
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,054/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,423
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,358
−HK$2,977/mo
Today · 4.125%
HK$115,335
baseline
▲ 0.50% · 4.625%
HK$121,414
+HK$6,079/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,670/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,461
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,395
−HK$3,996/mo
Today · 4.125%
HK$134,391
baseline
▲ 0.50% · 4.625%
HK$142,569
+HK$8,178/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,782/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,687
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,460
−HK$3,828/mo
Today · 4.125%
HK$148,288
baseline
▲ 0.50% · 4.625%
HK$156,104
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,576/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,454 · Scale 2, in force from 26 Feb 2026)