LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,536
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,730
−HK$2,229/mo
Today · 4.125%
HK$74,959
baseline
▲ 0.50% · 4.625%
HK$79,520
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,918/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,471
−HK$4,239/mo
▼ 0.25% · 3.875%
HK$80,575
−HK$2,135/mo
Today · 4.125%
HK$82,710
baseline
▲ 0.50% · 4.625%
HK$87,070
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,420/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,643
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,276
−HK$2,675/mo
Today · 4.125%
HK$89,951
baseline
▲ 0.50% · 4.625%
HK$95,425
+HK$5,474/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,902/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,165
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,690
−HK$2,562/mo
Today · 4.125%
HK$99,252
baseline
▲ 0.50% · 4.625%
HK$104,484
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,504/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$6,192/mo
▼ 0.25% · 3.875%
HK$101,822
−HK$3,121/mo
Today · 4.125%
HK$104,943
baseline
▲ 0.50% · 4.625%
HK$111,329
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,886/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,859
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,805
−HK$2,989/mo
Today · 4.125%
HK$115,794
baseline
▲ 0.50% · 4.625%
HK$121,898
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,588/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,965
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,914
−HK$4,013/mo
Today · 4.125%
HK$134,927
baseline
▲ 0.50% · 4.625%
HK$143,137
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,854/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,247
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,035
−HK$3,843/mo
Today · 4.125%
HK$148,878
baseline
▲ 0.50% · 4.625%
HK$156,726
+HK$7,848/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,756/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,671 · Scale 2, in force from 26 Feb 2026)