LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,522
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,716
−HK$2,228/mo
Today · 4.125%
HK$74,944
baseline
▲ 0.50% · 4.625%
HK$79,505
+HK$4,561/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,888/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,455
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,559
−HK$2,135/mo
Today · 4.125%
HK$82,694
baseline
▲ 0.50% · 4.625%
HK$87,053
+HK$4,359/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,388/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,627
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$87,259
−HK$2,674/mo
Today · 4.125%
HK$89,933
baseline
▲ 0.50% · 4.625%
HK$95,406
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,866/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,146
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,671
−HK$2,562/mo
Today · 4.125%
HK$99,233
baseline
▲ 0.50% · 4.625%
HK$104,463
+HK$5,230/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,466/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,731
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,802
−HK$3,120/mo
Today · 4.125%
HK$104,922
baseline
▲ 0.50% · 4.625%
HK$111,306
+HK$6,384/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,844/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,837
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$112,783
−HK$2,988/mo
Today · 4.125%
HK$115,771
baseline
▲ 0.50% · 4.625%
HK$121,874
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,542/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,940
−HK$7,960/mo
▼ 0.25% · 3.875%
HK$130,888
−HK$4,012/mo
Today · 4.125%
HK$134,900
baseline
▲ 0.50% · 4.625%
HK$143,108
+HK$8,208/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$269,800/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,219
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,007
−HK$3,842/mo
Today · 4.125%
HK$148,849
baseline
▲ 0.50% · 4.625%
HK$156,695
+HK$7,846/mo
Deposit HK$3.09M · loan HK$27.83M · min. income ≈ HK$297,698/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,409 · Scale 2, in force from 26 Feb 2026)