LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,554
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$72,749
−HK$2,229/mo
Today · 4.125%
HK$74,978
baseline
▲ 0.50% · 4.625%
HK$79,541
+HK$4,563/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,956/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,491
−HK$4,240/mo
▼ 0.25% · 3.875%
HK$80,596
−HK$2,135/mo
Today · 4.125%
HK$82,731
baseline
▲ 0.50% · 4.625%
HK$87,092
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,462/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,665
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$87,298
−HK$2,676/mo
Today · 4.125%
HK$89,974
baseline
▲ 0.50% · 4.625%
HK$95,449
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$179,948/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,189
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,715
−HK$2,563/mo
Today · 4.125%
HK$99,278
baseline
▲ 0.50% · 4.625%
HK$104,511
+HK$5,233/mo
Deposit HK$12.38M · loan HK$18.56M · min. income ≈ HK$198,556/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,776
−HK$6,194/mo
▼ 0.25% · 3.875%
HK$101,848
−HK$3,122/mo
Today · 4.125%
HK$104,970
baseline
▲ 0.50% · 4.625%
HK$111,357
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,940/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,887
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,834
−HK$2,990/mo
Today · 4.125%
HK$115,824
baseline
▲ 0.50% · 4.625%
HK$121,929
+HK$6,105/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,648/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,997
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,948
−HK$4,013/mo
Today · 4.125%
HK$134,961
baseline
▲ 0.50% · 4.625%
HK$143,173
+HK$8,212/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,922/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,283
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,072
−HK$3,844/mo
Today · 4.125%
HK$148,916
baseline
▲ 0.50% · 4.625%
HK$156,766
+HK$7,850/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,832/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,005 · Scale 2, in force from 26 Feb 2026)