LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,585
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$2,200/mo
Today · 4.125%
HK$73,949
baseline
▲ 0.50% · 4.625%
HK$78,448
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,898/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,413
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,489
−HK$2,106/mo
Today · 4.125%
HK$81,595
baseline
▲ 0.50% · 4.625%
HK$85,896
+HK$4,301/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,190/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,502
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,639/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$94,138
+HK$5,400/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,895
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,527/mo
Today · 4.125%
HK$97,914
baseline
▲ 0.50% · 4.625%
HK$103,075
+HK$5,161/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,828/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,419
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,449
−HK$3,079/mo
Today · 4.125%
HK$103,528
baseline
▲ 0.50% · 4.625%
HK$109,827
+HK$6,299/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,056/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,378
−HK$5,855/mo
▼ 0.25% · 3.875%
HK$111,284
−HK$2,949/mo
Today · 4.125%
HK$114,233
baseline
▲ 0.50% · 4.625%
HK$120,254
+HK$6,021/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,466/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,253
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$129,149
−HK$3,958/mo
Today · 4.125%
HK$133,107
baseline
▲ 0.50% · 4.625%
HK$141,207
+HK$8,100/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,214/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,343
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,080
−HK$3,791/mo
Today · 4.125%
HK$146,871
baseline
▲ 0.50% · 4.625%
HK$154,613
+HK$7,742/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,742/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,943 · Scale 2, in force from 26 Feb 2026)