LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,602
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$2,200/mo
Today · 4.125%
HK$73,967
baseline
▲ 0.50% · 4.625%
HK$78,467
+HK$4,500/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,934/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,431
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,508
−HK$2,107/mo
Today · 4.125%
HK$81,615
baseline
▲ 0.50% · 4.625%
HK$85,917
+HK$4,302/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,230/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,522
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,120
−HK$2,640/mo
Today · 4.125%
HK$88,760
baseline
▲ 0.50% · 4.625%
HK$94,161
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,520/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,918
−HK$5,020/mo
▼ 0.25% · 3.875%
HK$95,410
−HK$2,528/mo
Today · 4.125%
HK$97,938
baseline
▲ 0.50% · 4.625%
HK$103,100
+HK$5,162/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,876/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,443
−HK$6,110/mo
▼ 0.25% · 3.875%
HK$100,474
−HK$3,079/mo
Today · 4.125%
HK$103,553
baseline
▲ 0.50% · 4.625%
HK$109,854
+HK$6,301/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,106/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,404
−HK$5,857/mo
▼ 0.25% · 3.875%
HK$111,311
−HK$2,950/mo
Today · 4.125%
HK$114,261
baseline
▲ 0.50% · 4.625%
HK$120,283
+HK$6,022/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,522/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,283
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,180
−HK$3,960/mo
Today · 4.125%
HK$133,140
baseline
▲ 0.50% · 4.625%
HK$141,241
+HK$8,101/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,280/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,376
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,114
−HK$3,793/mo
Today · 4.125%
HK$146,907
baseline
▲ 0.50% · 4.625%
HK$154,650
+HK$7,743/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,814/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,258 · Scale 2, in force from 26 Feb 2026)