LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,526
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,720
−HK$2,229/mo
Today · 4.125%
HK$74,949
baseline
▲ 0.50% · 4.625%
HK$79,509
+HK$4,560/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$149,898/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,460
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,564
−HK$2,135/mo
Today · 4.125%
HK$82,699
baseline
▲ 0.50% · 4.625%
HK$87,058
+HK$4,359/mo
Deposit HK$15.46M · loan HK$15.46M · min. income ≈ HK$165,398/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,631
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,264
−HK$2,675/mo
Today · 4.125%
HK$89,939
baseline
▲ 0.50% · 4.625%
HK$95,411
+HK$5,472/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,878/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,152
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,677
−HK$2,561/mo
Today · 4.125%
HK$99,238
baseline
▲ 0.50% · 4.625%
HK$104,469
+HK$5,231/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,476/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,737
−HK$6,191/mo
▼ 0.25% · 3.875%
HK$101,808
−HK$3,120/mo
Today · 4.125%
HK$104,928
baseline
▲ 0.50% · 4.625%
HK$111,313
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,856/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,843
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,789
−HK$2,989/mo
Today · 4.125%
HK$115,778
baseline
▲ 0.50% · 4.625%
HK$121,881
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,556/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,947
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,896
−HK$4,012/mo
Today · 4.125%
HK$134,908
baseline
▲ 0.50% · 4.625%
HK$143,117
+HK$8,209/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,816/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,227
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,015
−HK$3,842/mo
Today · 4.125%
HK$148,857
baseline
▲ 0.50% · 4.625%
HK$156,704
+HK$7,847/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,714/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,485 · Scale 2, in force from 26 Feb 2026)