LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,546
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,740
−HK$2,230/mo
Today · 4.125%
HK$74,970
baseline
▲ 0.50% · 4.625%
HK$79,532
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,940/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,482
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,587
−HK$2,135/mo
Today · 4.125%
HK$82,722
baseline
▲ 0.50% · 4.625%
HK$87,082
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,444/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,655
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,289
−HK$2,675/mo
Today · 4.125%
HK$89,964
baseline
▲ 0.50% · 4.625%
HK$95,438
+HK$5,474/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,928/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,178
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,704
−HK$2,562/mo
Today · 4.125%
HK$99,266
baseline
▲ 0.50% · 4.625%
HK$104,499
+HK$5,233/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,532/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,765
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,837
−HK$3,121/mo
Today · 4.125%
HK$104,958
baseline
▲ 0.50% · 4.625%
HK$111,344
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,916/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,875
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,821
−HK$2,990/mo
Today · 4.125%
HK$115,811
baseline
▲ 0.50% · 4.625%
HK$121,915
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,622/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,983
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,933
−HK$4,013/mo
Today · 4.125%
HK$134,946
baseline
▲ 0.50% · 4.625%
HK$143,157
+HK$8,211/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,892/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,267
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,056
−HK$3,844/mo
Today · 4.125%
HK$148,900
baseline
▲ 0.50% · 4.625%
HK$156,748
+HK$7,848/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,800/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,857 · Scale 2, in force from 26 Feb 2026)