LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,521
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,715
−HK$2,228/mo
Today · 4.125%
HK$74,943
baseline
▲ 0.50% · 4.625%
HK$79,503
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,886/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,454
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,558
−HK$2,135/mo
Today · 4.125%
HK$82,693
baseline
▲ 0.50% · 4.625%
HK$87,051
+HK$4,358/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,386/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,625
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,258
−HK$2,674/mo
Today · 4.125%
HK$89,932
baseline
▲ 0.50% · 4.625%
HK$95,404
+HK$5,472/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,864/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,145
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,670
−HK$2,561/mo
Today · 4.125%
HK$99,231
baseline
▲ 0.50% · 4.625%
HK$104,462
+HK$5,231/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,462/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,729
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,801
−HK$3,120/mo
Today · 4.125%
HK$104,921
baseline
▲ 0.50% · 4.625%
HK$111,305
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,842/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,836
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,781
−HK$2,989/mo
Today · 4.125%
HK$115,770
baseline
▲ 0.50% · 4.625%
HK$121,872
+HK$6,102/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,540/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,938
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,886
−HK$4,012/mo
Today · 4.125%
HK$134,898
baseline
▲ 0.50% · 4.625%
HK$143,106
+HK$8,208/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,796/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,217
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,005
−HK$3,842/mo
Today · 4.125%
HK$148,847
baseline
▲ 0.50% · 4.625%
HK$156,693
+HK$7,846/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,694/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,390 · Scale 2, in force from 26 Feb 2026)