LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,490
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,683
−HK$2,228/mo
Today · 4.125%
HK$74,911
baseline
▲ 0.50% · 4.625%
HK$79,469
+HK$4,558/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,822/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,420
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,523
−HK$2,134/mo
Today · 4.125%
HK$82,657
baseline
▲ 0.50% · 4.625%
HK$87,014
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,314/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,589
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,220
−HK$2,673/mo
Today · 4.125%
HK$89,893
baseline
▲ 0.50% · 4.625%
HK$95,363
+HK$5,470/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,786/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,104
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,628
−HK$2,560/mo
Today · 4.125%
HK$99,188
baseline
▲ 0.50% · 4.625%
HK$104,416
+HK$5,228/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,376/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,687
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,756
−HK$3,119/mo
Today · 4.125%
HK$104,875
baseline
▲ 0.50% · 4.625%
HK$111,257
+HK$6,382/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,750/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,788
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,732
−HK$2,987/mo
Today · 4.125%
HK$115,719
baseline
▲ 0.50% · 4.625%
HK$121,819
+HK$6,100/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,438/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,883
−HK$7,956/mo
▼ 0.25% · 3.875%
HK$130,830
−HK$4,009/mo
Today · 4.125%
HK$134,839
baseline
▲ 0.50% · 4.625%
HK$143,044
+HK$8,205/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,678/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,156
−HK$7,626/mo
▼ 0.25% · 3.875%
HK$144,942
−HK$3,840/mo
Today · 4.125%
HK$148,782
baseline
▲ 0.50% · 4.625%
HK$156,625
+HK$7,843/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,564/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,819 · Scale 2, in force from 26 Feb 2026)