LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,543
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$72,737
−HK$2,229/mo
Today · 4.125%
HK$74,966
baseline
▲ 0.50% · 4.625%
HK$79,528
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,932/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,478
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,583
−HK$2,135/mo
Today · 4.125%
HK$82,718
baseline
▲ 0.50% · 4.625%
HK$87,078
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,436/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,651
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,284
−HK$2,676/mo
Today · 4.125%
HK$89,960
baseline
▲ 0.50% · 4.625%
HK$95,433
+HK$5,473/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$179,920/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,174
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,699
−HK$2,563/mo
Today · 4.125%
HK$99,262
baseline
▲ 0.50% · 4.625%
HK$104,494
+HK$5,232/mo
Deposit HK$12.37M · loan HK$18.56M · min. income ≈ HK$198,524/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,760
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,832
−HK$3,121/mo
Today · 4.125%
HK$104,953
baseline
▲ 0.50% · 4.625%
HK$111,339
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,906/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,869
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,816
−HK$2,989/mo
Today · 4.125%
HK$115,805
baseline
▲ 0.50% · 4.625%
HK$121,909
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,610/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,977
−HK$7,962/mo
▼ 0.25% · 3.875%
HK$130,927
−HK$4,012/mo
Today · 4.125%
HK$134,939
baseline
▲ 0.50% · 4.625%
HK$143,150
+HK$8,211/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,878/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,260
−HK$7,632/mo
▼ 0.25% · 3.875%
HK$145,049
−HK$3,843/mo
Today · 4.125%
HK$148,892
baseline
▲ 0.50% · 4.625%
HK$156,741
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,784/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,793 · Scale 2, in force from 26 Feb 2026)