LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,590
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,755
−HK$2,199/mo
Today · 4.125%
HK$73,954
baseline
▲ 0.50% · 4.625%
HK$78,454
+HK$4,500/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,908/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,418
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,495
−HK$2,106/mo
Today · 4.125%
HK$81,601
baseline
▲ 0.50% · 4.625%
HK$85,902
+HK$4,301/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,202/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,508
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,106
−HK$2,639/mo
Today · 4.125%
HK$88,745
baseline
▲ 0.50% · 4.625%
HK$94,145
+HK$5,400/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,490/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,902
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,393
−HK$2,528/mo
Today · 4.125%
HK$97,921
baseline
▲ 0.50% · 4.625%
HK$103,083
+HK$5,162/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,842/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,426
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,457
−HK$3,079/mo
Today · 4.125%
HK$103,536
baseline
▲ 0.50% · 4.625%
HK$109,835
+HK$6,299/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$207,072/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,385
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,292
−HK$2,949/mo
Today · 4.125%
HK$114,241
baseline
▲ 0.50% · 4.625%
HK$120,263
+HK$6,022/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$228,482/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,262
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,158
−HK$3,959/mo
Today · 4.125%
HK$133,117
baseline
▲ 0.50% · 4.625%
HK$141,217
+HK$8,100/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,234/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,353
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,090
−HK$3,792/mo
Today · 4.125%
HK$146,882
baseline
▲ 0.50% · 4.625%
HK$154,624
+HK$7,742/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,764/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,037 · Scale 2, in force from 26 Feb 2026)