LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,593
−HK$4,364/mo
▼ 0.25% · 3.875%
HK$71,757
−HK$2,200/mo
Today · 4.125%
HK$73,957
baseline
▲ 0.50% · 4.625%
HK$78,457
+HK$4,500/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,914/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,421
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,497
−HK$2,107/mo
Today · 4.125%
HK$81,604
baseline
▲ 0.50% · 4.625%
HK$85,905
+HK$4,301/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,208/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,511
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$86,109
−HK$2,639/mo
Today · 4.125%
HK$88,748
baseline
▲ 0.50% · 4.625%
HK$94,148
+HK$5,400/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,496/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,905
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,397
−HK$2,528/mo
Today · 4.125%
HK$97,925
baseline
▲ 0.50% · 4.625%
HK$103,086
+HK$5,161/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,850/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,430
−HK$6,109/mo
▼ 0.25% · 3.875%
HK$100,460
−HK$3,079/mo
Today · 4.125%
HK$103,539
baseline
▲ 0.50% · 4.625%
HK$109,839
+HK$6,300/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$207,078/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,389
−HK$5,856/mo
▼ 0.25% · 3.875%
HK$111,296
−HK$2,949/mo
Today · 4.125%
HK$114,245
baseline
▲ 0.50% · 4.625%
HK$120,267
+HK$6,022/mo
Deposit HK$9.16M · loan HK$21.36M · min. income ≈ HK$228,490/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,267
−HK$7,855/mo
▼ 0.25% · 3.875%
HK$129,163
−HK$3,959/mo
Today · 4.125%
HK$133,122
baseline
▲ 0.50% · 4.625%
HK$141,222
+HK$8,100/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,244/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,358
−HK$7,529/mo
▼ 0.25% · 3.875%
HK$143,095
−HK$3,792/mo
Today · 4.125%
HK$146,887
baseline
▲ 0.50% · 4.625%
HK$154,630
+HK$7,743/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,774/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,085 · Scale 2, in force from 26 Feb 2026)