LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,017
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$72,195
−HK$2,213/mo
Today · 4.125%
HK$74,408
baseline
▲ 0.50% · 4.625%
HK$78,935
+HK$4,527/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,816/mo (50% DSR)
Upfront cash ≈ HK$16.66M (deposit + AVD stamp duty HK$1,304,994 · 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$86,429
+HK$4,328/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$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,020
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$86,634
−HK$2,655/mo
Today · 4.125%
HK$89,289
baseline
▲ 0.50% · 4.625%
HK$94,722
+HK$5,433/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,578/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,472
−HK$5,050/mo
▼ 0.25% · 3.875%
HK$95,979
−HK$2,543/mo
Today · 4.125%
HK$98,522
baseline
▲ 0.50% · 4.625%
HK$103,715
+HK$5,193/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$197,044/mo (50% DSR)
Upfront cash ≈ HK$13.59M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,024
−HK$6,147/mo
▼ 0.25% · 3.875%
HK$101,073
−HK$3,098/mo
Today · 4.125%
HK$104,171
baseline
▲ 0.50% · 4.625%
HK$110,509
+HK$6,338/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,342/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,050
−HK$5,892/mo
▼ 0.25% · 3.875%
HK$111,975
−HK$2,967/mo
Today · 4.125%
HK$114,942
baseline
▲ 0.50% · 4.625%
HK$121,001
+HK$6,059/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,884/mo (50% DSR)
Upfront cash ≈ HK$10.52M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,031
−HK$7,903/mo
▼ 0.25% · 3.875%
HK$129,951
−HK$3,983/mo
Today · 4.125%
HK$133,934
baseline
▲ 0.50% · 4.625%
HK$142,083
+HK$8,149/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$267,868/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,208
−HK$7,575/mo
▼ 0.25% · 3.875%
HK$143,968
−HK$3,815/mo
Today · 4.125%
HK$147,783
baseline
▲ 0.50% · 4.625%
HK$155,573
+HK$7,790/mo
Deposit HK$3.07M · loan HK$27.64M · min. income ≈ HK$295,566/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$1,304,994 · Scale 2, in force from 26 Feb 2026)