LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,548
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,743
−HK$2,229/mo
Today · 4.125%
HK$74,972
baseline
▲ 0.50% · 4.625%
HK$79,534
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,944/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,484
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,589
−HK$2,135/mo
Today · 4.125%
HK$82,724
baseline
▲ 0.50% · 4.625%
HK$87,085
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,448/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,658
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$87,291
−HK$2,675/mo
Today · 4.125%
HK$89,966
baseline
▲ 0.50% · 4.625%
HK$95,441
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,932/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,181
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,707
−HK$2,562/mo
Today · 4.125%
HK$99,269
baseline
▲ 0.50% · 4.625%
HK$104,502
+HK$5,233/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,538/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,767
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,840
−HK$3,121/mo
Today · 4.125%
HK$104,961
baseline
▲ 0.50% · 4.625%
HK$111,347
+HK$6,386/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,922/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,878
−HK$5,936/mo
▼ 0.25% · 3.875%
HK$112,824
−HK$2,990/mo
Today · 4.125%
HK$115,814
baseline
▲ 0.50% · 4.625%
HK$121,919
+HK$6,105/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,628/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,987
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,937
−HK$4,013/mo
Today · 4.125%
HK$134,950
baseline
▲ 0.50% · 4.625%
HK$143,161
+HK$8,211/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$269,900/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,271
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,060
−HK$3,844/mo
Today · 4.125%
HK$148,904
baseline
▲ 0.50% · 4.625%
HK$156,753
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.84M · min. income ≈ HK$297,808/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,893 · Scale 2, in force from 26 Feb 2026)