LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,500
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,662
−HK$2,196/mo
Today · 4.125%
HK$73,858
baseline
▲ 0.50% · 4.625%
HK$78,353
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,716/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,318
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,392
−HK$2,103/mo
Today · 4.125%
HK$81,495
baseline
▲ 0.50% · 4.625%
HK$85,791
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,990/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,400
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,994
−HK$2,636/mo
Today · 4.125%
HK$88,630
baseline
▲ 0.50% · 4.625%
HK$94,023
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,260/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,782
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,270
−HK$2,525/mo
Today · 4.125%
HK$97,795
baseline
▲ 0.50% · 4.625%
HK$102,949
+HK$5,154/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,590/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,300
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,327
−HK$3,075/mo
Today · 4.125%
HK$103,402
baseline
▲ 0.50% · 4.625%
HK$109,694
+HK$6,292/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,804/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,246
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,149
−HK$2,945/mo
Today · 4.125%
HK$114,094
baseline
▲ 0.50% · 4.625%
HK$120,108
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,188/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,100
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$128,992
−HK$3,953/mo
Today · 4.125%
HK$132,945
baseline
▲ 0.50% · 4.625%
HK$141,035
+HK$8,090/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,890/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,173
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$142,905
−HK$3,787/mo
Today · 4.125%
HK$146,692
baseline
▲ 0.50% · 4.625%
HK$154,424
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,384/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,362 · Scale 2, in force from 26 Feb 2026)