LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,510
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,703
−HK$2,229/mo
Today · 4.125%
HK$74,932
baseline
▲ 0.50% · 4.625%
HK$79,491
+HK$4,559/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,864/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,442
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$80,546
−HK$2,134/mo
Today · 4.125%
HK$82,680
baseline
▲ 0.50% · 4.625%
HK$87,038
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,360/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,612
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,244
−HK$2,674/mo
Today · 4.125%
HK$89,918
baseline
▲ 0.50% · 4.625%
HK$95,389
+HK$5,471/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$179,836/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,130
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,655
−HK$2,561/mo
Today · 4.125%
HK$99,216
baseline
▲ 0.50% · 4.625%
HK$104,446
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.55M · min. income ≈ HK$198,432/mo (50% DSR)
Upfront cash ≈ HK$13.68M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,714
−HK$6,190/mo
▼ 0.25% · 3.875%
HK$101,785
−HK$3,119/mo
Today · 4.125%
HK$104,904
baseline
▲ 0.50% · 4.625%
HK$111,288
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,808/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,819
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$112,764
−HK$2,988/mo
Today · 4.125%
HK$115,752
baseline
▲ 0.50% · 4.625%
HK$121,853
+HK$6,101/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,504/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,918
−HK$7,959/mo
▼ 0.25% · 3.875%
HK$130,866
−HK$4,011/mo
Today · 4.125%
HK$134,877
baseline
▲ 0.50% · 4.625%
HK$143,084
+HK$8,207/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,754/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,195
−HK$7,629/mo
▼ 0.25% · 3.875%
HK$144,982
−HK$3,842/mo
Today · 4.125%
HK$148,824
baseline
▲ 0.50% · 4.625%
HK$156,668
+HK$7,844/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,648/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,187 · Scale 2, in force from 26 Feb 2026)