LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,549
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,744
−HK$2,229/mo
Today · 4.125%
HK$74,973
baseline
▲ 0.50% · 4.625%
HK$79,535
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,946/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,485
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,590
−HK$2,135/mo
Today · 4.125%
HK$82,725
baseline
▲ 0.50% · 4.625%
HK$87,086
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,450/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,659
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,292
−HK$2,676/mo
Today · 4.125%
HK$89,968
baseline
▲ 0.50% · 4.625%
HK$95,442
+HK$5,474/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,936/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,182
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,708
−HK$2,563/mo
Today · 4.125%
HK$99,271
baseline
▲ 0.50% · 4.625%
HK$104,503
+HK$5,232/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,542/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,769
−HK$6,193/mo
▼ 0.25% · 3.875%
HK$101,841
−HK$3,121/mo
Today · 4.125%
HK$104,962
baseline
▲ 0.50% · 4.625%
HK$111,349
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,924/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,879
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,826
−HK$2,990/mo
Today · 4.125%
HK$115,816
baseline
▲ 0.50% · 4.625%
HK$121,920
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,632/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,988
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,938
−HK$4,014/mo
Today · 4.125%
HK$134,952
baseline
▲ 0.50% · 4.625%
HK$143,163
+HK$8,211/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,904/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,273
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,062
−HK$3,844/mo
Today · 4.125%
HK$148,906
baseline
▲ 0.50% · 4.625%
HK$156,755
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,812/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,913 · Scale 2, in force from 26 Feb 2026)