LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,515
−HK$4,359/mo
▼ 0.25% · 3.875%
HK$71,677
−HK$2,197/mo
Today · 4.125%
HK$73,874
baseline
▲ 0.50% · 4.625%
HK$78,369
+HK$4,495/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,748/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,335
−HK$4,178/mo
▼ 0.25% · 3.875%
HK$79,409
−HK$2,104/mo
Today · 4.125%
HK$81,513
baseline
▲ 0.50% · 4.625%
HK$85,810
+HK$4,297/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$163,026/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,418
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$86,013
−HK$2,636/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$94,043
+HK$5,394/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,802
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,291
−HK$2,524/mo
Today · 4.125%
HK$97,815
baseline
▲ 0.50% · 4.625%
HK$102,971
+HK$5,156/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,630/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,321
−HK$6,103/mo
▼ 0.25% · 3.875%
HK$100,348
−HK$3,076/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$109,717
+HK$6,293/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$206,848/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,269
−HK$5,849/mo
▼ 0.25% · 3.875%
HK$111,172
−HK$2,946/mo
Today · 4.125%
HK$114,118
baseline
▲ 0.50% · 4.625%
HK$120,133
+HK$6,015/mo
Deposit HK$9.15M · loan HK$21.34M · min. income ≈ HK$228,236/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,127
−HK$7,847/mo
▼ 0.25% · 3.875%
HK$129,019
−HK$3,955/mo
Today · 4.125%
HK$132,974
baseline
▲ 0.50% · 4.625%
HK$141,065
+HK$8,091/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$265,948/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,202
−HK$7,521/mo
▼ 0.25% · 3.875%
HK$142,936
−HK$3,787/mo
Today · 4.125%
HK$146,723
baseline
▲ 0.50% · 4.625%
HK$154,457
+HK$7,734/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,446/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,638 · Scale 2, in force from 26 Feb 2026)