LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,621
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,787
−HK$2,200/mo
Today · 4.125%
HK$73,987
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,974/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,453
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,530
−HK$2,107/mo
Today · 4.125%
HK$81,637
baseline
▲ 0.50% · 4.625%
HK$85,940
+HK$4,303/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,274/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,545
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,144
−HK$2,640/mo
Today · 4.125%
HK$88,784
baseline
▲ 0.50% · 4.625%
HK$94,187
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,568/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,943
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,436
−HK$2,529/mo
Today · 4.125%
HK$97,965
baseline
▲ 0.50% · 4.625%
HK$103,128
+HK$5,163/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,930/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,469
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,501
−HK$3,081/mo
Today · 4.125%
HK$103,582
baseline
▲ 0.50% · 4.625%
HK$109,884
+HK$6,302/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,164/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,434
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,342
−HK$2,950/mo
Today · 4.125%
HK$114,292
baseline
▲ 0.50% · 4.625%
HK$120,317
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,584/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,318
−HK$7,858/mo
▼ 0.25% · 3.875%
HK$129,216
−HK$3,960/mo
Today · 4.125%
HK$133,176
baseline
▲ 0.50% · 4.625%
HK$141,280
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,352/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,415
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,154
−HK$3,793/mo
Today · 4.125%
HK$146,947
baseline
▲ 0.50% · 4.625%
HK$154,693
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,894/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,614 · Scale 2, in force from 26 Feb 2026)