LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,258
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$72,443
−HK$2,220/mo
Today · 4.125%
HK$74,663
baseline
▲ 0.50% · 4.625%
HK$79,207
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,326/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,161
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,257
−HK$2,127/mo
Today · 4.125%
HK$82,384
baseline
▲ 0.50% · 4.625%
HK$86,726
+HK$4,342/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,768/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,309
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,932
−HK$2,664/mo
Today · 4.125%
HK$89,596
baseline
▲ 0.50% · 4.625%
HK$95,048
+HK$5,452/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$179,192/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,793
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,309
−HK$2,552/mo
Today · 4.125%
HK$98,861
baseline
▲ 0.50% · 4.625%
HK$104,072
+HK$5,211/mo
Deposit HK$12.32M · loan HK$18.49M · min. income ≈ HK$197,722/mo (50% DSR)
Upfront cash ≈ HK$13.63M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,361
−HK$6,168/mo
▼ 0.25% · 3.875%
HK$101,420
−HK$3,109/mo
Today · 4.125%
HK$104,529
baseline
▲ 0.50% · 4.625%
HK$110,889
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,058/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,425
−HK$5,912/mo
▼ 0.25% · 3.875%
HK$112,360
−HK$2,977/mo
Today · 4.125%
HK$115,337
baseline
▲ 0.50% · 4.625%
HK$121,417
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,674/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,464
−HK$7,930/mo
▼ 0.25% · 3.875%
HK$130,398
−HK$3,996/mo
Today · 4.125%
HK$134,394
baseline
▲ 0.50% · 4.625%
HK$142,572
+HK$8,178/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,788/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,690
−HK$7,601/mo
▼ 0.25% · 3.875%
HK$144,463
−HK$3,828/mo
Today · 4.125%
HK$148,291
baseline
▲ 0.50% · 4.625%
HK$156,107
+HK$7,816/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,582/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,482 · Scale 2, in force from 26 Feb 2026)