LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,492
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,685
−HK$2,228/mo
Today · 4.125%
HK$74,913
baseline
▲ 0.50% · 4.625%
HK$79,471
+HK$4,558/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,826/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,422
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$80,525
−HK$2,134/mo
Today · 4.125%
HK$82,659
baseline
▲ 0.50% · 4.625%
HK$87,016
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,318/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,591
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$87,222
−HK$2,673/mo
Today · 4.125%
HK$89,895
baseline
▲ 0.50% · 4.625%
HK$95,365
+HK$5,470/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$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,106
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$96,630
−HK$2,560/mo
Today · 4.125%
HK$99,190
baseline
▲ 0.50% · 4.625%
HK$104,419
+HK$5,229/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$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,689
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,759
−HK$3,119/mo
Today · 4.125%
HK$104,878
baseline
▲ 0.50% · 4.625%
HK$111,259
+HK$6,381/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$209,756/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,791
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,735
−HK$2,987/mo
Today · 4.125%
HK$115,722
baseline
▲ 0.50% · 4.625%
HK$121,822
+HK$6,100/mo
Deposit HK$9.27M · loan HK$21.64M · min. income ≈ HK$231,444/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,886
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,833
−HK$4,010/mo
Today · 4.125%
HK$134,843
baseline
▲ 0.50% · 4.625%
HK$143,048
+HK$8,205/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$269,686/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,159
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,945
−HK$3,841/mo
Today · 4.125%
HK$148,786
baseline
▲ 0.50% · 4.625%
HK$156,628
+HK$7,842/mo
Deposit HK$3.09M · loan HK$27.82M · min. income ≈ HK$297,572/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,852 · Scale 2, in force from 26 Feb 2026)