LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,016
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,194
−HK$2,213/mo
Today · 4.125%
HK$74,407
baseline
▲ 0.50% · 4.625%
HK$78,935
+HK$4,528/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,814/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,893
−HK$4,208/mo
▼ 0.25% · 3.875%
HK$79,982
−HK$2,119/mo
Today · 4.125%
HK$82,101
baseline
▲ 0.50% · 4.625%
HK$86,428
+HK$4,327/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,202/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$86,633
−HK$2,655/mo
Today · 4.125%
HK$89,288
baseline
▲ 0.50% · 4.625%
HK$94,721
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,576/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,471
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,978
−HK$2,543/mo
Today · 4.125%
HK$98,521
baseline
▲ 0.50% · 4.625%
HK$103,714
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,042/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,023
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,072
−HK$3,098/mo
Today · 4.125%
HK$104,170
baseline
▲ 0.50% · 4.625%
HK$110,508
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,340/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,050
−HK$5,891/mo
▼ 0.25% · 3.875%
HK$111,974
−HK$2,967/mo
Today · 4.125%
HK$114,941
baseline
▲ 0.50% · 4.625%
HK$121,000
+HK$6,059/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,882/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,030
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,950
−HK$3,983/mo
Today · 4.125%
HK$133,933
baseline
▲ 0.50% · 4.625%
HK$142,082
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,866/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,207
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,967
−HK$3,815/mo
Today · 4.125%
HK$147,782
baseline
▲ 0.50% · 4.625%
HK$155,571
+HK$7,789/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,564/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,984 · Scale 2, in force from 26 Feb 2026)