LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,504
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,666
−HK$2,196/mo
Today · 4.125%
HK$73,862
baseline
▲ 0.50% · 4.625%
HK$78,356
+HK$4,494/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,724/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,322
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,396
−HK$2,104/mo
Today · 4.125%
HK$81,500
baseline
▲ 0.50% · 4.625%
HK$85,795
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,000/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,404
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,999
−HK$2,635/mo
Today · 4.125%
HK$88,634
baseline
▲ 0.50% · 4.625%
HK$94,028
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,268/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,786
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,275
−HK$2,524/mo
Today · 4.125%
HK$97,799
baseline
▲ 0.50% · 4.625%
HK$102,955
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,598/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,305
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,332
−HK$3,075/mo
Today · 4.125%
HK$103,407
baseline
▲ 0.50% · 4.625%
HK$109,699
+HK$6,292/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$206,814/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,251
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,154
−HK$2,945/mo
Today · 4.125%
HK$114,099
baseline
▲ 0.50% · 4.625%
HK$120,114
+HK$6,015/mo
Deposit HK$9.14M · loan HK$21.34M · min. income ≈ HK$228,198/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,106
−HK$7,846/mo
▼ 0.25% · 3.875%
HK$128,998
−HK$3,954/mo
Today · 4.125%
HK$132,952
baseline
▲ 0.50% · 4.625%
HK$141,042
+HK$8,090/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,904/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,180
−HK$7,519/mo
▼ 0.25% · 3.875%
HK$142,912
−HK$3,787/mo
Today · 4.125%
HK$146,699
baseline
▲ 0.50% · 4.625%
HK$154,432
+HK$7,733/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,398/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,426 · Scale 2, in force from 26 Feb 2026)