LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,623
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,789
−HK$2,200/mo
Today · 4.125%
HK$73,989
baseline
▲ 0.50% · 4.625%
HK$78,491
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,978/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,455
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,532
−HK$2,108/mo
Today · 4.125%
HK$81,640
baseline
▲ 0.50% · 4.625%
HK$85,943
+HK$4,303/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,280/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,548
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,147
−HK$2,640/mo
Today · 4.125%
HK$88,787
baseline
▲ 0.50% · 4.625%
HK$94,190
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,574/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,946
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,439
−HK$2,529/mo
Today · 4.125%
HK$97,968
baseline
▲ 0.50% · 4.625%
HK$103,132
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,936/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,473
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,504
−HK$3,081/mo
Today · 4.125%
HK$103,585
baseline
▲ 0.50% · 4.625%
HK$109,888
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,170/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,437
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,345
−HK$2,951/mo
Today · 4.125%
HK$114,296
baseline
▲ 0.50% · 4.625%
HK$120,320
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,592/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,322
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,220
−HK$3,961/mo
Today · 4.125%
HK$133,181
baseline
▲ 0.50% · 4.625%
HK$141,284
+HK$8,103/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,362/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,419
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,158
−HK$3,794/mo
Today · 4.125%
HK$146,952
baseline
▲ 0.50% · 4.625%
HK$154,698
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,904/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,656 · Scale 2, in force from 26 Feb 2026)