LTV · monthly repayment
▼ 0.50% · 3.625%
HK$70,565
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$2,231/mo
Today · 4.125%
HK$74,990
baseline
▲ 0.50% · 4.625%
HK$79,552
+HK$4,562/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$149,980/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,502
−HK$4,242/mo
▼ 0.25% · 3.875%
HK$80,608
−HK$2,136/mo
Today · 4.125%
HK$82,744
baseline
▲ 0.50% · 4.625%
HK$87,105
+HK$4,361/mo
Deposit HK$15.47M · loan HK$15.47M · min. income ≈ HK$165,488/mo (50% DSR)
Upfront cash ≈ HK$16.79M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,677
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$87,311
−HK$2,676/mo
Today · 4.125%
HK$89,987
baseline
▲ 0.50% · 4.625%
HK$95,463
+HK$5,476/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$179,974/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,203
−HK$5,089/mo
▼ 0.25% · 3.875%
HK$96,729
−HK$2,563/mo
Today · 4.125%
HK$99,292
baseline
▲ 0.50% · 4.625%
HK$104,526
+HK$5,234/mo
Deposit HK$12.38M · loan HK$18.57M · min. income ≈ HK$198,584/mo (50% DSR)
Upfront cash ≈ HK$13.69M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,790
−HK$6,195/mo
▼ 0.25% · 3.875%
HK$101,863
−HK$3,122/mo
Today · 4.125%
HK$104,985
baseline
▲ 0.50% · 4.625%
HK$111,373
+HK$6,388/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$209,970/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,903
−HK$5,938/mo
▼ 0.25% · 3.875%
HK$112,851
−HK$2,990/mo
Today · 4.125%
HK$115,841
baseline
▲ 0.50% · 4.625%
HK$121,947
+HK$6,106/mo
Deposit HK$9.28M · loan HK$21.66M · min. income ≈ HK$231,682/mo (50% DSR)
Upfront cash ≈ HK$10.60M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,016
−HK$7,965/mo
▼ 0.25% · 3.875%
HK$130,967
−HK$4,014/mo
Today · 4.125%
HK$134,981
baseline
▲ 0.50% · 4.625%
HK$143,194
+HK$8,213/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$269,962/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$141,304
−HK$7,634/mo
▼ 0.25% · 3.875%
HK$145,094
−HK$3,844/mo
Today · 4.125%
HK$148,938
baseline
▲ 0.50% · 4.625%
HK$156,789
+HK$7,851/mo
Deposit HK$3.09M · loan HK$27.85M · min. income ≈ HK$297,876/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$1,315,200 · Scale 2, in force from 26 Feb 2026)