LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,561
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,756
−HK$2,230/mo
Today · 4.125%
HK$74,986
baseline
▲ 0.50% · 4.625%
HK$79,549
+HK$4,563/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,972/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,498
−HK$4,241/mo
▼ 0.25% · 3.875%
HK$80,604
−HK$2,135/mo
Today · 4.125%
HK$82,739
baseline
▲ 0.50% · 4.625%
HK$87,101
+HK$4,362/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,478/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,673
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,307
−HK$2,676/mo
Today · 4.125%
HK$89,983
baseline
▲ 0.50% · 4.625%
HK$95,458
+HK$5,475/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,966/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,198
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,724
−HK$2,563/mo
Today · 4.125%
HK$99,287
baseline
▲ 0.50% · 4.625%
HK$104,521
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,574/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,785
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,858
−HK$3,122/mo
Today · 4.125%
HK$104,980
baseline
▲ 0.50% · 4.625%
HK$111,368
+HK$6,388/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,960/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,898
−HK$5,937/mo
▼ 0.25% · 3.875%
HK$112,845
−HK$2,990/mo
Today · 4.125%
HK$115,835
baseline
▲ 0.50% · 4.625%
HK$121,941
+HK$6,106/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,670/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,010
−HK$7,964/mo
▼ 0.25% · 3.875%
HK$130,961
−HK$4,013/mo
Today · 4.125%
HK$134,974
baseline
▲ 0.50% · 4.625%
HK$143,187
+HK$8,213/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,948/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,297
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,087
−HK$3,844/mo
Today · 4.125%
HK$148,931
baseline
▲ 0.50% · 4.625%
HK$156,781
+HK$7,850/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,862/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,134 · Scale 2, in force from 26 Feb 2026)