LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,279
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$72,465
−HK$2,221/mo
Today · 4.125%
HK$74,686
baseline
▲ 0.50% · 4.625%
HK$79,230
+HK$4,544/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$149,372/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,184
−HK$4,224/mo
▼ 0.25% · 3.875%
HK$80,281
−HK$2,127/mo
Today · 4.125%
HK$82,408
baseline
▲ 0.50% · 4.625%
HK$86,752
+HK$4,344/mo
Deposit HK$15.41M · loan HK$15.41M · min. income ≈ HK$164,816/mo (50% DSR)
Upfront cash ≈ HK$16.72M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,334
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$86,958
−HK$2,665/mo
Today · 4.125%
HK$89,623
baseline
▲ 0.50% · 4.625%
HK$95,076
+HK$5,453/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$179,246/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,821
−HK$5,069/mo
▼ 0.25% · 3.875%
HK$96,337
−HK$2,553/mo
Today · 4.125%
HK$98,890
baseline
▲ 0.50% · 4.625%
HK$104,102
+HK$5,212/mo
Deposit HK$12.33M · loan HK$18.49M · min. income ≈ HK$197,780/mo (50% DSR)
Upfront cash ≈ HK$13.64M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,390
−HK$6,170/mo
▼ 0.25% · 3.875%
HK$101,450
−HK$3,110/mo
Today · 4.125%
HK$104,560
baseline
▲ 0.50% · 4.625%
HK$110,922
+HK$6,362/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$209,120/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,458
−HK$5,914/mo
▼ 0.25% · 3.875%
HK$112,393
−HK$2,979/mo
Today · 4.125%
HK$115,372
baseline
▲ 0.50% · 4.625%
HK$121,453
+HK$6,081/mo
Deposit HK$9.25M · loan HK$21.57M · min. income ≈ HK$230,744/mo (50% DSR)
Upfront cash ≈ HK$10.56M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,501
−HK$7,933/mo
▼ 0.25% · 3.875%
HK$130,436
−HK$3,998/mo
Today · 4.125%
HK$134,434
baseline
▲ 0.50% · 4.625%
HK$142,614
+HK$8,180/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$268,868/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,732
−HK$7,603/mo
▼ 0.25% · 3.875%
HK$144,506
−HK$3,829/mo
Today · 4.125%
HK$148,335
baseline
▲ 0.50% · 4.625%
HK$156,154
+HK$7,819/mo
Deposit HK$3.08M · loan HK$27.74M · min. income ≈ HK$296,670/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$1,309,870 · Scale 2, in force from 26 Feb 2026)