LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,501
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$72,694
−HK$2,228/mo
Today · 4.125%
HK$74,922
baseline
▲ 0.50% · 4.625%
HK$79,481
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,844/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,431
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,535
−HK$2,134/mo
Today · 4.125%
HK$82,669
baseline
▲ 0.50% · 4.625%
HK$87,026
+HK$4,357/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,338/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,601
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$87,233
−HK$2,673/mo
Today · 4.125%
HK$89,906
baseline
▲ 0.50% · 4.625%
HK$95,377
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,812/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,118
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$96,642
−HK$2,561/mo
Today · 4.125%
HK$99,203
baseline
▲ 0.50% · 4.625%
HK$104,432
+HK$5,229/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,406/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,701
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,771
−HK$3,120/mo
Today · 4.125%
HK$104,891
baseline
▲ 0.50% · 4.625%
HK$111,273
+HK$6,382/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,782/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,804
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,749
−HK$2,987/mo
Today · 4.125%
HK$115,736
baseline
▲ 0.50% · 4.625%
HK$121,837
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,472/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,902
−HK$7,957/mo
▼ 0.25% · 3.875%
HK$130,849
−HK$4,010/mo
Today · 4.125%
HK$134,859
baseline
▲ 0.50% · 4.625%
HK$143,065
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,718/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,177
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,963
−HK$3,841/mo
Today · 4.125%
HK$148,804
baseline
▲ 0.50% · 4.625%
HK$156,648
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,608/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,013 · Scale 2, in force from 26 Feb 2026)