LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,263
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,448
−HK$2,221/mo
Today · 4.125%
HK$74,669
baseline
▲ 0.50% · 4.625%
HK$79,212
+HK$4,543/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,338/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,167
−HK$4,223/mo
▼ 0.25% · 3.875%
HK$80,263
−HK$2,127/mo
Today · 4.125%
HK$82,390
baseline
▲ 0.50% · 4.625%
HK$86,733
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,780/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,315
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,938
−HK$2,665/mo
Today · 4.125%
HK$89,603
baseline
▲ 0.50% · 4.625%
HK$95,055
+HK$5,452/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,206/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,800
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,316
−HK$2,552/mo
Today · 4.125%
HK$98,868
baseline
▲ 0.50% · 4.625%
HK$104,079
+HK$5,211/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,736/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,368
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,428
−HK$3,109/mo
Today · 4.125%
HK$104,537
baseline
▲ 0.50% · 4.625%
HK$110,897
+HK$6,360/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,074/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,433
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,368
−HK$2,978/mo
Today · 4.125%
HK$115,346
baseline
▲ 0.50% · 4.625%
HK$121,426
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,692/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,473
−HK$7,931/mo
▼ 0.25% · 3.875%
HK$130,407
−HK$3,997/mo
Today · 4.125%
HK$134,404
baseline
▲ 0.50% · 4.625%
HK$142,582
+HK$8,178/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,808/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,700
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,474
−HK$3,828/mo
Today · 4.125%
HK$148,302
baseline
▲ 0.50% · 4.625%
HK$156,119
+HK$7,817/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,604/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,577 · Scale 2, in force from 26 Feb 2026)