LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,537
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,731
−HK$2,229/mo
Today · 4.125%
HK$74,960
baseline
▲ 0.50% · 4.625%
HK$79,521
+HK$4,561/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,920/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,471
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,576
−HK$2,135/mo
Today · 4.125%
HK$82,711
baseline
▲ 0.50% · 4.625%
HK$87,071
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,422/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,644
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,277
−HK$2,675/mo
Today · 4.125%
HK$89,952
baseline
▲ 0.50% · 4.625%
HK$95,425
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,904/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,166
−HK$5,087/mo
▼ 0.25% · 3.875%
HK$96,691
−HK$2,562/mo
Today · 4.125%
HK$99,253
baseline
▲ 0.50% · 4.625%
HK$104,485
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,506/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,751
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,823
−HK$3,121/mo
Today · 4.125%
HK$104,944
baseline
▲ 0.50% · 4.625%
HK$111,330
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$209,888/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,860
−HK$5,935/mo
▼ 0.25% · 3.875%
HK$112,806
−HK$2,989/mo
Today · 4.125%
HK$115,795
baseline
▲ 0.50% · 4.625%
HK$121,899
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.65M · min. income ≈ HK$231,590/mo (50% DSR)
Upfront cash ≈ HK$10.59M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,966
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,915
−HK$4,013/mo
Today · 4.125%
HK$134,928
baseline
▲ 0.50% · 4.625%
HK$143,138
+HK$8,210/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,856/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,249
−HK$7,631/mo
▼ 0.25% · 3.875%
HK$145,037
−HK$3,843/mo
Today · 4.125%
HK$148,880
baseline
▲ 0.50% · 4.625%
HK$156,727
+HK$7,847/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,760/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,682 · Scale 2, in force from 26 Feb 2026)