LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,271
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,457
−HK$2,221/mo
Today · 4.125%
HK$74,678
baseline
▲ 0.50% · 4.625%
HK$79,222
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,356/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,176
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,273
−HK$2,127/mo
Today · 4.125%
HK$82,400
baseline
▲ 0.50% · 4.625%
HK$86,743
+HK$4,343/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,800/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,326
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$86,949
−HK$2,665/mo
Today · 4.125%
HK$89,614
baseline
▲ 0.50% · 4.625%
HK$95,066
+HK$5,452/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,228/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,811
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,327
−HK$2,553/mo
Today · 4.125%
HK$98,880
baseline
▲ 0.50% · 4.625%
HK$104,092
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,760/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,380
−HK$6,169/mo
▼ 0.25% · 3.875%
HK$101,440
−HK$3,109/mo
Today · 4.125%
HK$104,549
baseline
▲ 0.50% · 4.625%
HK$110,911
+HK$6,362/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,098/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,447
−HK$5,913/mo
▼ 0.25% · 3.875%
HK$112,382
−HK$2,978/mo
Today · 4.125%
HK$115,360
baseline
▲ 0.50% · 4.625%
HK$121,440
+HK$6,080/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,720/mo (50% DSR)
Upfront cash ≈ HK$10.55M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,488
−HK$7,932/mo
▼ 0.25% · 3.875%
HK$130,423
−HK$3,997/mo
Today · 4.125%
HK$134,420
baseline
▲ 0.50% · 4.625%
HK$142,599
+HK$8,179/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,840/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,717
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,491
−HK$3,829/mo
Today · 4.125%
HK$148,320
baseline
▲ 0.50% · 4.625%
HK$156,138
+HK$7,818/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,640/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,735 · Scale 2, in force from 26 Feb 2026)