LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,440
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,600
−HK$2,195/mo
Today · 4.125%
HK$73,795
baseline
▲ 0.50% · 4.625%
HK$78,285
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,590/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,251
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,323
−HK$2,102/mo
Today · 4.125%
HK$81,425
baseline
▲ 0.50% · 4.625%
HK$85,717
+HK$4,292/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,850/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,328
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,920
−HK$2,633/mo
Today · 4.125%
HK$88,553
baseline
▲ 0.50% · 4.625%
HK$93,942
+HK$5,389/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,106/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,702
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,188
−HK$2,522/mo
Today · 4.125%
HK$97,710
baseline
▲ 0.50% · 4.625%
HK$102,860
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,420/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,216
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,240
−HK$3,072/mo
Today · 4.125%
HK$103,312
baseline
▲ 0.50% · 4.625%
HK$109,599
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,624/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,152
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,053
−HK$2,942/mo
Today · 4.125%
HK$113,995
baseline
▲ 0.50% · 4.625%
HK$120,004
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,990/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,992
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,880
−HK$3,950/mo
Today · 4.125%
HK$132,830
baseline
▲ 0.50% · 4.625%
HK$140,913
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,660/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,052
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,782
−HK$3,783/mo
Today · 4.125%
HK$146,565
baseline
▲ 0.50% · 4.625%
HK$154,291
+HK$7,726/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,130/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,242 · Scale 2, in force from 26 Feb 2026)