LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,616
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,781
−HK$2,201/mo
Today · 4.125%
HK$73,982
baseline
▲ 0.50% · 4.625%
HK$78,483
+HK$4,501/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,964/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,447
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,524
−HK$2,107/mo
Today · 4.125%
HK$81,631
baseline
▲ 0.50% · 4.625%
HK$85,934
+HK$4,303/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,262/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,138
−HK$2,640/mo
Today · 4.125%
HK$88,778
baseline
▲ 0.50% · 4.625%
HK$94,180
+HK$5,402/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,556/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,936
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,429
−HK$2,529/mo
Today · 4.125%
HK$97,958
baseline
▲ 0.50% · 4.625%
HK$103,121
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,916/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,462
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,494
−HK$3,080/mo
Today · 4.125%
HK$103,574
baseline
▲ 0.50% · 4.625%
HK$109,876
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,148/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,426
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,334
−HK$2,950/mo
Today · 4.125%
HK$114,284
baseline
▲ 0.50% · 4.625%
HK$120,308
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,568/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,309
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,207
−HK$3,960/mo
Today · 4.125%
HK$133,167
baseline
▲ 0.50% · 4.625%
HK$141,270
+HK$8,103/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,334/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,405
−HK$7,531/mo
▼ 0.25% · 3.875%
HK$143,143
−HK$3,793/mo
Today · 4.125%
HK$146,936
baseline
▲ 0.50% · 4.625%
HK$154,682
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,872/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,521 · Scale 2, in force from 26 Feb 2026)