LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,504
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,697
−HK$2,229/mo
Today · 4.125%
HK$74,926
baseline
▲ 0.50% · 4.625%
HK$79,485
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,852/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,435
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,539
−HK$2,134/mo
Today · 4.125%
HK$82,673
baseline
▲ 0.50% · 4.625%
HK$87,031
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,346/mo (50% DSR)
Upfront cash ≈ HK$16.77M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,605
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,237
−HK$2,674/mo
Today · 4.125%
HK$89,911
baseline
▲ 0.50% · 4.625%
HK$95,382
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,822/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,122
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,647
−HK$2,561/mo
Today · 4.125%
HK$99,208
baseline
▲ 0.50% · 4.625%
HK$104,437
+HK$5,229/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,416/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,706
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,776
−HK$3,120/mo
Today · 4.125%
HK$104,896
baseline
▲ 0.50% · 4.625%
HK$111,278
+HK$6,382/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$209,792/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,810
−HK$5,932/mo
▼ 0.25% · 3.875%
HK$112,755
−HK$2,987/mo
Today · 4.125%
HK$115,742
baseline
▲ 0.50% · 4.625%
HK$121,843
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.64M · min. income ≈ HK$231,484/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,908
−HK$7,958/mo
▼ 0.25% · 3.875%
HK$130,855
−HK$4,011/mo
Today · 4.125%
HK$134,866
baseline
▲ 0.50% · 4.625%
HK$143,072
+HK$8,206/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,732/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,184
−HK$7,627/mo
▼ 0.25% · 3.875%
HK$144,970
−HK$3,841/mo
Today · 4.125%
HK$148,811
baseline
▲ 0.50% · 4.625%
HK$156,655
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,622/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,078 · Scale 2, in force from 26 Feb 2026)