LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,011
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$72,189
−HK$2,212/mo
Today · 4.125%
HK$74,401
baseline
▲ 0.50% · 4.625%
HK$78,928
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,802/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,886
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,975
−HK$2,119/mo
Today · 4.125%
HK$82,094
baseline
▲ 0.50% · 4.625%
HK$86,422
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,188/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,013
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,626
−HK$2,655/mo
Today · 4.125%
HK$89,281
baseline
▲ 0.50% · 4.625%
HK$94,714
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,562/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,464
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,970
−HK$2,543/mo
Today · 4.125%
HK$98,513
baseline
▲ 0.50% · 4.625%
HK$103,706
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,026/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,015
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,064
−HK$3,098/mo
Today · 4.125%
HK$104,162
baseline
▲ 0.50% · 4.625%
HK$110,499
+HK$6,337/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,324/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,041
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,965
−HK$2,967/mo
Today · 4.125%
HK$114,932
baseline
▲ 0.50% · 4.625%
HK$120,990
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,864/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,019
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,939
−HK$3,983/mo
Today · 4.125%
HK$133,922
baseline
▲ 0.50% · 4.625%
HK$142,071
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,844/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,195
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,955
−HK$3,815/mo
Today · 4.125%
HK$147,770
baseline
▲ 0.50% · 4.625%
HK$155,559
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,540/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,879 · Scale 2, in force from 26 Feb 2026)