LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,529
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,723
−HK$2,229/mo
Today · 4.125%
HK$74,952
baseline
▲ 0.50% · 4.625%
HK$79,513
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,904/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,463
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,567
−HK$2,135/mo
Today · 4.125%
HK$82,702
baseline
▲ 0.50% · 4.625%
HK$87,061
+HK$4,359/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,404/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,635
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,268
−HK$2,674/mo
Today · 4.125%
HK$89,942
baseline
▲ 0.50% · 4.625%
HK$95,415
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,884/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,156
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$96,681
−HK$2,561/mo
Today · 4.125%
HK$99,242
baseline
▲ 0.50% · 4.625%
HK$104,474
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,484/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,741
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,812
−HK$3,121/mo
Today · 4.125%
HK$104,933
baseline
▲ 0.50% · 4.625%
HK$111,318
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,866/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,848
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,794
−HK$2,989/mo
Today · 4.125%
HK$115,783
baseline
▲ 0.50% · 4.625%
HK$121,886
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,566/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,952
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,901
−HK$4,012/mo
Today · 4.125%
HK$134,913
baseline
▲ 0.50% · 4.625%
HK$143,123
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,826/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,233
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,021
−HK$3,843/mo
Today · 4.125%
HK$148,864
baseline
▲ 0.50% · 4.625%
HK$156,711
+HK$7,847/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,541 · Scale 2, in force from 26 Feb 2026)