LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,625
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,791
−HK$2,200/mo
Today · 4.125%
HK$73,991
baseline
▲ 0.50% · 4.625%
HK$78,493
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,982/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,457
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,534
−HK$2,108/mo
Today · 4.125%
HK$81,642
baseline
▲ 0.50% · 4.625%
HK$85,945
+HK$4,303/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,284/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,550
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,149
−HK$2,640/mo
Today · 4.125%
HK$88,789
baseline
▲ 0.50% · 4.625%
HK$94,192
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,578/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,948
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,441
−HK$2,529/mo
Today · 4.125%
HK$97,970
baseline
▲ 0.50% · 4.625%
HK$103,134
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,940/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,475
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,507
−HK$3,080/mo
Today · 4.125%
HK$103,587
baseline
▲ 0.50% · 4.625%
HK$109,891
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,174/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,440
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,348
−HK$2,951/mo
Today · 4.125%
HK$114,299
baseline
▲ 0.50% · 4.625%
HK$120,323
+HK$6,024/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,598/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,325
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,223
−HK$3,961/mo
Today · 4.125%
HK$133,184
baseline
▲ 0.50% · 4.625%
HK$141,288
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,368/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,423
−HK$7,532/mo
▼ 0.25% · 3.875%
HK$143,162
−HK$3,793/mo
Today · 4.125%
HK$146,955
baseline
▲ 0.50% · 4.625%
HK$154,701
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,910/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,688 · Scale 2, in force from 26 Feb 2026)