LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,498
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,691
−HK$2,228/mo
Today · 4.125%
HK$74,919
baseline
▲ 0.50% · 4.625%
HK$79,478
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,838/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,428
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,532
−HK$2,134/mo
Today · 4.125%
HK$82,666
baseline
▲ 0.50% · 4.625%
HK$87,023
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,332/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,598
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,229
−HK$2,674/mo
Today · 4.125%
HK$89,903
baseline
▲ 0.50% · 4.625%
HK$95,373
+HK$5,470/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,806/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,114
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,638
−HK$2,561/mo
Today · 4.125%
HK$99,199
baseline
▲ 0.50% · 4.625%
HK$104,428
+HK$5,229/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,398/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,697
−HK$6,189/mo
▼ 0.25% · 3.875%
HK$101,767
−HK$3,119/mo
Today · 4.125%
HK$104,886
baseline
▲ 0.50% · 4.625%
HK$111,269
+HK$6,383/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,772/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,800
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,745
−HK$2,987/mo
Today · 4.125%
HK$115,732
baseline
▲ 0.50% · 4.625%
HK$121,832
+HK$6,100/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,464/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,897
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,844
−HK$4,010/mo
Today · 4.125%
HK$134,854
baseline
▲ 0.50% · 4.625%
HK$143,060
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,708/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,171
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,957
−HK$3,841/mo
Today · 4.125%
HK$148,798
baseline
▲ 0.50% · 4.625%
HK$156,641
+HK$7,843/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,596/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,313,961 · Scale 2, in force from 26 Feb 2026)