LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,340
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$72,528
−HK$2,223/mo
Today · 4.125%
HK$74,751
baseline
▲ 0.50% · 4.625%
HK$79,300
+HK$4,549/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$149,502/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,253
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$80,352
−HK$2,129/mo
Today · 4.125%
HK$82,481
baseline
▲ 0.50% · 4.625%
HK$86,828
+HK$4,347/mo
Deposit HK$15.42M · loan HK$15.42M · min. income ≈ HK$164,962/mo (50% DSR)
Upfront cash ≈ HK$16.73M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,408
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$87,034
−HK$2,668/mo
Today · 4.125%
HK$89,702
baseline
▲ 0.50% · 4.625%
HK$95,160
+HK$5,458/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$179,404/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,903
−HK$5,074/mo
▼ 0.25% · 3.875%
HK$96,422
−HK$2,555/mo
Today · 4.125%
HK$98,977
baseline
▲ 0.50% · 4.625%
HK$104,194
+HK$5,217/mo
Deposit HK$12.34M · loan HK$18.51M · min. income ≈ HK$197,954/mo (50% DSR)
Upfront cash ≈ HK$13.65M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,476
−HK$6,176/mo
▼ 0.25% · 3.875%
HK$101,540
−HK$3,112/mo
Today · 4.125%
HK$104,652
baseline
▲ 0.50% · 4.625%
HK$111,020
+HK$6,368/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$209,304/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,554
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$112,492
−HK$2,981/mo
Today · 4.125%
HK$115,473
baseline
▲ 0.50% · 4.625%
HK$121,560
+HK$6,087/mo
Deposit HK$9.25M · loan HK$21.59M · min. income ≈ HK$230,946/mo (50% DSR)
Upfront cash ≈ HK$10.57M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,613
−HK$7,939/mo
▼ 0.25% · 3.875%
HK$130,551
−HK$4,001/mo
Today · 4.125%
HK$134,552
baseline
▲ 0.50% · 4.625%
HK$142,740
+HK$8,188/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$269,104/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,855
−HK$7,610/mo
▼ 0.25% · 3.875%
HK$144,633
−HK$3,832/mo
Today · 4.125%
HK$148,465
baseline
▲ 0.50% · 4.625%
HK$156,291
+HK$7,826/mo
Deposit HK$3.08M · loan HK$27.76M · min. income ≈ HK$296,930/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$1,311,022 · Scale 2, in force from 26 Feb 2026)