LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,609
−HK$4,365/mo
▼ 0.25% · 3.875%
HK$71,774
−HK$2,200/mo
Today · 4.125%
HK$73,974
baseline
▲ 0.50% · 4.625%
HK$78,476
+HK$4,502/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,948/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,440
−HK$4,183/mo
▼ 0.25% · 3.875%
HK$79,516
−HK$2,107/mo
Today · 4.125%
HK$81,623
baseline
▲ 0.50% · 4.625%
HK$85,926
+HK$4,303/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,246/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,531
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$86,129
−HK$2,640/mo
Today · 4.125%
HK$88,769
baseline
▲ 0.50% · 4.625%
HK$94,171
+HK$5,402/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,538/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,927
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,420
−HK$2,528/mo
Today · 4.125%
HK$97,948
baseline
▲ 0.50% · 4.625%
HK$103,111
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,896/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,453
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,484
−HK$3,080/mo
Today · 4.125%
HK$103,564
baseline
▲ 0.50% · 4.625%
HK$109,866
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,128/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,415
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,323
−HK$2,950/mo
Today · 4.125%
HK$114,273
baseline
▲ 0.50% · 4.625%
HK$120,296
+HK$6,023/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,546/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,297
−HK$7,857/mo
▼ 0.25% · 3.875%
HK$129,194
−HK$3,960/mo
Today · 4.125%
HK$133,154
baseline
▲ 0.50% · 4.625%
HK$141,256
+HK$8,102/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$266,308/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,391
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,130
−HK$3,792/mo
Today · 4.125%
HK$146,922
baseline
▲ 0.50% · 4.625%
HK$154,667
+HK$7,745/mo
Deposit HK$3.05M · loan HK$27.47M · min. income ≈ HK$293,844/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,395 · Scale 2, in force from 26 Feb 2026)