LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,613
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$2,200/mo
Today · 4.125%
HK$73,979
baseline
▲ 0.50% · 4.625%
HK$78,480
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,958/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,444
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,521
−HK$2,107/mo
Today · 4.125%
HK$81,628
baseline
▲ 0.50% · 4.625%
HK$85,931
+HK$4,303/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,256/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,536
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,640/mo
Today · 4.125%
HK$88,775
baseline
▲ 0.50% · 4.625%
HK$94,176
+HK$5,401/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,550/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,933
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,426
−HK$2,528/mo
Today · 4.125%
HK$97,954
baseline
▲ 0.50% · 4.625%
HK$103,117
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,908/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,459
−HK$6,111/mo
▼ 0.25% · 3.875%
HK$100,490
−HK$3,080/mo
Today · 4.125%
HK$103,570
baseline
▲ 0.50% · 4.625%
HK$109,872
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,140/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,422
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,330
−HK$2,950/mo
Today · 4.125%
HK$114,280
baseline
▲ 0.50% · 4.625%
HK$120,304
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,560/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,304
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,202
−HK$3,960/mo
Today · 4.125%
HK$133,162
baseline
▲ 0.50% · 4.625%
HK$141,264
+HK$8,102/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,324/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,400
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,138
−HK$3,793/mo
Today · 4.125%
HK$146,931
baseline
▲ 0.50% · 4.625%
HK$154,676
+HK$7,745/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,862/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,474 · Scale 2, in force from 26 Feb 2026)