LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,013
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,191
−HK$2,213/mo
Today · 4.125%
HK$74,404
baseline
▲ 0.50% · 4.625%
HK$78,931
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,808/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,889
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,978
−HK$2,119/mo
Today · 4.125%
HK$82,097
baseline
▲ 0.50% · 4.625%
HK$86,425
+HK$4,328/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,194/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,016
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,629
−HK$2,655/mo
Today · 4.125%
HK$89,284
baseline
▲ 0.50% · 4.625%
HK$94,717
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,568/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,467
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,973
−HK$2,543/mo
Today · 4.125%
HK$98,516
baseline
▲ 0.50% · 4.625%
HK$103,709
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,032/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,018
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,067
−HK$3,098/mo
Today · 4.125%
HK$104,165
baseline
▲ 0.50% · 4.625%
HK$110,503
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,330/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,045
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,969
−HK$2,967/mo
Today · 4.125%
HK$114,936
baseline
▲ 0.50% · 4.625%
HK$120,994
+HK$6,058/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,872/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,024
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,944
−HK$3,983/mo
Today · 4.125%
HK$133,927
baseline
▲ 0.50% · 4.625%
HK$142,076
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,854/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,200
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,960
−HK$3,815/mo
Today · 4.125%
HK$147,775
baseline
▲ 0.50% · 4.625%
HK$155,564
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,550/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,924 · Scale 2, in force from 26 Feb 2026)