LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,531
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$72,724
−HK$2,229/mo
Today · 4.125%
HK$74,953
baseline
▲ 0.50% · 4.625%
HK$79,514
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,906/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,465
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,569
−HK$2,135/mo
Today · 4.125%
HK$82,704
baseline
▲ 0.50% · 4.625%
HK$87,063
+HK$4,359/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,408/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,637
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$87,269
−HK$2,675/mo
Today · 4.125%
HK$89,944
baseline
▲ 0.50% · 4.625%
HK$95,417
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,888/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,157
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,683
−HK$2,561/mo
Today · 4.125%
HK$99,244
baseline
▲ 0.50% · 4.625%
HK$104,476
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,488/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,743
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,814
−HK$3,121/mo
Today · 4.125%
HK$104,935
baseline
▲ 0.50% · 4.625%
HK$111,320
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,870/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,850
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,796
−HK$2,989/mo
Today · 4.125%
HK$115,785
baseline
▲ 0.50% · 4.625%
HK$121,888
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,570/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,955
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,904
−HK$4,012/mo
Today · 4.125%
HK$134,916
baseline
▲ 0.50% · 4.625%
HK$143,126
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,832/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,236
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,024
−HK$3,843/mo
Today · 4.125%
HK$148,867
baseline
▲ 0.50% · 4.625%
HK$156,714
+HK$7,847/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,734/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,567 · Scale 2, in force from 26 Feb 2026)