LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,533
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,727
−HK$2,229/mo
Today · 4.125%
HK$74,956
baseline
▲ 0.50% · 4.625%
HK$79,517
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,912/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,467
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,571
−HK$2,135/mo
Today · 4.125%
HK$82,706
baseline
▲ 0.50% · 4.625%
HK$87,066
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,412/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,639
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,272
−HK$2,675/mo
Today · 4.125%
HK$89,947
baseline
▲ 0.50% · 4.625%
HK$95,420
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,894/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,160
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,686
−HK$2,562/mo
Today · 4.125%
HK$99,248
baseline
▲ 0.50% · 4.625%
HK$104,479
+HK$5,231/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,496/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,746
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,817
−HK$3,121/mo
Today · 4.125%
HK$104,938
baseline
▲ 0.50% · 4.625%
HK$111,323
+HK$6,385/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,876/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,854
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,800
−HK$2,989/mo
Today · 4.125%
HK$115,789
baseline
▲ 0.50% · 4.625%
HK$121,892
+HK$6,103/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,578/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,959
−HK$7,961/mo
▼ 0.25% · 3.875%
HK$130,908
−HK$4,012/mo
Today · 4.125%
HK$134,920
baseline
▲ 0.50% · 4.625%
HK$143,130
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,840/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,241
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$145,029
−HK$3,842/mo
Today · 4.125%
HK$148,871
baseline
▲ 0.50% · 4.625%
HK$156,719
+HK$7,848/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,608 · Scale 2, in force from 26 Feb 2026)