LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,269
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$72,455
−HK$2,220/mo
Today · 4.125%
HK$74,675
baseline
▲ 0.50% · 4.625%
HK$79,219
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,350/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,173
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,270
−HK$2,127/mo
Today · 4.125%
HK$82,397
baseline
▲ 0.50% · 4.625%
HK$86,740
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,794/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,323
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$86,946
−HK$2,664/mo
Today · 4.125%
HK$89,610
baseline
▲ 0.50% · 4.625%
HK$95,063
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,220/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,808
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,324
−HK$2,552/mo
Today · 4.125%
HK$98,876
baseline
▲ 0.50% · 4.625%
HK$104,088
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,752/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,376
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,436
−HK$3,110/mo
Today · 4.125%
HK$104,546
baseline
▲ 0.50% · 4.625%
HK$110,907
+HK$6,361/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$209,092/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,443
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,378
−HK$2,978/mo
Today · 4.125%
HK$115,356
baseline
▲ 0.50% · 4.625%
HK$121,436
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,712/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,484
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,418
−HK$3,998/mo
Today · 4.125%
HK$134,416
baseline
▲ 0.50% · 4.625%
HK$142,595
+HK$8,179/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,832/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,712
−HK$7,602/mo
▼ 0.25% · 3.875%
HK$144,486
−HK$3,828/mo
Today · 4.125%
HK$148,314
baseline
▲ 0.50% · 4.625%
HK$156,132
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,628/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,690 · Scale 2, in force from 26 Feb 2026)