LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,492
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$72,684
−HK$2,228/mo
Today · 4.125%
HK$74,912
baseline
▲ 0.50% · 4.625%
HK$79,470
+HK$4,558/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,824/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,421
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,524
−HK$2,134/mo
Today · 4.125%
HK$82,658
baseline
▲ 0.50% · 4.625%
HK$87,015
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,316/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,590
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,221
−HK$2,674/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$95,364
+HK$5,469/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,790/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,629
−HK$2,561/mo
Today · 4.125%
HK$99,190
baseline
▲ 0.50% · 4.625%
HK$104,418
+HK$5,228/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,380/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,688
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,758
−HK$3,119/mo
Today · 4.125%
HK$104,877
baseline
▲ 0.50% · 4.625%
HK$111,258
+HK$6,381/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,754/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,790
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,734
−HK$2,987/mo
Today · 4.125%
HK$115,721
baseline
▲ 0.50% · 4.625%
HK$121,821
+HK$6,100/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,442/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,885
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,832
−HK$4,010/mo
Today · 4.125%
HK$134,842
baseline
▲ 0.50% · 4.625%
HK$143,047
+HK$8,205/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,684/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,158
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,944
−HK$3,841/mo
Today · 4.125%
HK$148,785
baseline
▲ 0.50% · 4.625%
HK$156,627
+HK$7,842/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,570/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,842 · Scale 2, in force from 26 Feb 2026)