LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,551
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,745
−HK$2,230/mo
Today · 4.125%
HK$74,975
baseline
▲ 0.50% · 4.625%
HK$79,537
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,950/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,487
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,592
−HK$2,136/mo
Today · 4.125%
HK$82,728
baseline
▲ 0.50% · 4.625%
HK$87,088
+HK$4,360/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,456/mo (50% DSR)
Upfront cash ≈ HK$16.78M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,661
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,294
−HK$2,676/mo
Today · 4.125%
HK$89,970
baseline
▲ 0.50% · 4.625%
HK$95,444
+HK$5,474/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,940/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,185
−HK$5,088/mo
▼ 0.25% · 3.875%
HK$96,711
−HK$2,562/mo
Today · 4.125%
HK$99,273
baseline
▲ 0.50% · 4.625%
HK$104,506
+HK$5,233/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,546/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,771
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,844
−HK$3,121/mo
Today · 4.125%
HK$104,965
baseline
▲ 0.50% · 4.625%
HK$111,352
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,930/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,882
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,829
−HK$2,990/mo
Today · 4.125%
HK$115,819
baseline
▲ 0.50% · 4.625%
HK$121,923
+HK$6,104/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,638/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,992
−HK$7,963/mo
▼ 0.25% · 3.875%
HK$130,942
−HK$4,013/mo
Today · 4.125%
HK$134,955
baseline
▲ 0.50% · 4.625%
HK$143,167
+HK$8,212/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,910/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,277
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,066
−HK$3,844/mo
Today · 4.125%
HK$148,910
baseline
▲ 0.50% · 4.625%
HK$156,759
+HK$7,849/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,820/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,314,945 · Scale 2, in force from 26 Feb 2026)