LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,269
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,455
−HK$2,221/mo
Today · 4.125%
HK$74,676
baseline
▲ 0.50% · 4.625%
HK$79,220
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,352/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,174
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,271
−HK$2,127/mo
Today · 4.125%
HK$82,398
baseline
▲ 0.50% · 4.625%
HK$86,741
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,796/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,323
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,946
−HK$2,665/mo
Today · 4.125%
HK$89,611
baseline
▲ 0.50% · 4.625%
HK$95,064
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,222/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,809
−HK$5,068/mo
▼ 0.25% · 3.875%
HK$96,325
−HK$2,552/mo
Today · 4.125%
HK$98,877
baseline
▲ 0.50% · 4.625%
HK$104,089
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,754/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,377
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,437
−HK$3,109/mo
Today · 4.125%
HK$104,546
baseline
▲ 0.50% · 4.625%
HK$110,908
+HK$6,362/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$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,444
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,379
−HK$2,978/mo
Today · 4.125%
HK$115,357
baseline
▲ 0.50% · 4.625%
HK$121,437
+HK$6,080/mo
Deposit HK$9.24M · loan HK$21.57M · min. income ≈ HK$230,714/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,485
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,419
−HK$3,998/mo
Today · 4.125%
HK$134,417
baseline
▲ 0.50% · 4.625%
HK$142,596
+HK$8,179/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$268,834/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,713
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,487
−HK$3,829/mo
Today · 4.125%
HK$148,316
baseline
▲ 0.50% · 4.625%
HK$156,134
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.73M · min. income ≈ HK$296,632/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,700 · Scale 2, in force from 26 Feb 2026)