LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,015
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,193
−HK$2,213/mo
Today · 4.125%
HK$74,406
baseline
▲ 0.50% · 4.625%
HK$78,933
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,812/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,891
−HK$4,209/mo
▼ 0.25% · 3.875%
HK$79,980
−HK$2,120/mo
Today · 4.125%
HK$82,100
baseline
▲ 0.50% · 4.625%
HK$86,427
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,200/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,018
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,632
−HK$2,655/mo
Today · 4.125%
HK$89,287
baseline
▲ 0.50% · 4.625%
HK$94,720
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,574/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,470
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,976
−HK$2,543/mo
Today · 4.125%
HK$98,519
baseline
▲ 0.50% · 4.625%
HK$103,713
+HK$5,194/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,038/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,021
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,070
−HK$3,098/mo
Today · 4.125%
HK$104,168
baseline
▲ 0.50% · 4.625%
HK$110,507
+HK$6,339/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,336/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,048
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,972
−HK$2,967/mo
Today · 4.125%
HK$114,939
baseline
▲ 0.50% · 4.625%
HK$120,998
+HK$6,059/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,878/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,028
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,948
−HK$3,983/mo
Today · 4.125%
HK$133,931
baseline
▲ 0.50% · 4.625%
HK$142,080
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,862/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,204
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,965
−HK$3,814/mo
Today · 4.125%
HK$147,779
baseline
▲ 0.50% · 4.625%
HK$155,569
+HK$7,790/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,558/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,963 · Scale 2, in force from 26 Feb 2026)