LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,445
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,605
−HK$2,194/mo
Today · 4.125%
HK$73,799
baseline
▲ 0.50% · 4.625%
HK$78,290
+HK$4,491/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,598/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,174/mo
▼ 0.25% · 3.875%
HK$79,328
−HK$2,102/mo
Today · 4.125%
HK$81,430
baseline
▲ 0.50% · 4.625%
HK$85,723
+HK$4,293/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,860/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,333
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$85,926
−HK$2,633/mo
Today · 4.125%
HK$88,559
baseline
▲ 0.50% · 4.625%
HK$93,948
+HK$5,389/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,118/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,708
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,194
−HK$2,522/mo
Today · 4.125%
HK$97,716
baseline
▲ 0.50% · 4.625%
HK$102,867
+HK$5,151/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,432/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,222
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,247
−HK$3,072/mo
Today · 4.125%
HK$103,319
baseline
▲ 0.50% · 4.625%
HK$109,606
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,638/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,159
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,060
−HK$2,942/mo
Today · 4.125%
HK$114,002
baseline
▲ 0.50% · 4.625%
HK$120,012
+HK$6,010/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,004/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,000
−HK$7,839/mo
▼ 0.25% · 3.875%
HK$128,888
−HK$3,951/mo
Today · 4.125%
HK$132,839
baseline
▲ 0.50% · 4.625%
HK$140,922
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,678/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,061
−HK$7,514/mo
▼ 0.25% · 3.875%
HK$142,791
−HK$3,784/mo
Today · 4.125%
HK$146,575
baseline
▲ 0.50% · 4.625%
HK$154,301
+HK$7,726/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,150/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,326 · Scale 2, in force from 26 Feb 2026)