LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,626
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,792
−HK$2,200/mo
Today · 4.125%
HK$73,992
baseline
▲ 0.50% · 4.625%
HK$78,495
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,984/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,459
−HK$4,184/mo
▼ 0.25% · 3.875%
HK$79,536
−HK$2,107/mo
Today · 4.125%
HK$81,643
baseline
▲ 0.50% · 4.625%
HK$85,947
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,286/mo (50% DSR)
Upfront cash ≈ HK$16.56M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,150
−HK$2,641/mo
Today · 4.125%
HK$88,791
baseline
▲ 0.50% · 4.625%
HK$94,194
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,582/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,950
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,443
−HK$2,529/mo
Today · 4.125%
HK$97,972
baseline
▲ 0.50% · 4.625%
HK$103,136
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,944/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,477
−HK$6,112/mo
▼ 0.25% · 3.875%
HK$100,509
−HK$3,080/mo
Today · 4.125%
HK$103,589
baseline
▲ 0.50% · 4.625%
HK$109,893
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,178/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,442
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,350
−HK$2,951/mo
Today · 4.125%
HK$114,301
baseline
▲ 0.50% · 4.625%
HK$120,326
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,602/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,327
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,226
−HK$3,960/mo
Today · 4.125%
HK$133,186
baseline
▲ 0.50% · 4.625%
HK$141,290
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,372/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,425
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,165
−HK$3,793/mo
Today · 4.125%
HK$146,958
baseline
▲ 0.50% · 4.625%
HK$154,704
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,916/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,713 · Scale 2, in force from 26 Feb 2026)