LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,556
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,751
−HK$2,230/mo
Today · 4.125%
HK$74,981
baseline
▲ 0.50% · 4.625%
HK$79,543
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,962/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,493
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,598
−HK$2,136/mo
Today · 4.125%
HK$82,734
baseline
▲ 0.50% · 4.625%
HK$87,095
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,468/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,667
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,301
−HK$2,676/mo
Today · 4.125%
HK$89,977
baseline
▲ 0.50% · 4.625%
HK$95,451
+HK$5,474/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,954/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,191
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,718
−HK$2,562/mo
Today · 4.125%
HK$99,280
baseline
▲ 0.50% · 4.625%
HK$104,514
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,560/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,778
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,851
−HK$3,122/mo
Today · 4.125%
HK$104,973
baseline
▲ 0.50% · 4.625%
HK$111,360
+HK$6,387/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,946/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,890
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,837
−HK$2,990/mo
Today · 4.125%
HK$115,827
baseline
▲ 0.50% · 4.625%
HK$121,932
+HK$6,105/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,654/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,001
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,951
−HK$4,014/mo
Today · 4.125%
HK$134,965
baseline
▲ 0.50% · 4.625%
HK$143,177
+HK$8,212/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,930/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,287
−HK$7,633/mo
▼ 0.25% · 3.875%
HK$145,076
−HK$3,844/mo
Today · 4.125%
HK$148,920
baseline
▲ 0.50% · 4.625%
HK$156,770
+HK$7,850/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,840/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,042 · Scale 2, in force from 26 Feb 2026)