LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,627
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,793
−HK$2,201/mo
Today · 4.125%
HK$73,994
baseline
▲ 0.50% · 4.625%
HK$78,496
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,988/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,460
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,537
−HK$2,108/mo
Today · 4.125%
HK$81,645
baseline
▲ 0.50% · 4.625%
HK$85,948
+HK$4,303/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,290/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,553
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$86,152
−HK$2,640/mo
Today · 4.125%
HK$88,792
baseline
▲ 0.50% · 4.625%
HK$94,195
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,584/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,952
−HK$5,021/mo
▼ 0.25% · 3.875%
HK$95,445
−HK$2,528/mo
Today · 4.125%
HK$97,973
baseline
▲ 0.50% · 4.625%
HK$103,138
+HK$5,165/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,946/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,478
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,510
−HK$3,081/mo
Today · 4.125%
HK$103,591
baseline
▲ 0.50% · 4.625%
HK$109,894
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,182/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,444
−HK$5,858/mo
▼ 0.25% · 3.875%
HK$111,352
−HK$2,950/mo
Today · 4.125%
HK$114,302
baseline
▲ 0.50% · 4.625%
HK$120,327
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,604/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,329
−HK$7,859/mo
▼ 0.25% · 3.875%
HK$129,228
−HK$3,960/mo
Today · 4.125%
HK$133,188
baseline
▲ 0.50% · 4.625%
HK$141,293
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,376/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,427
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,167
−HK$3,793/mo
Today · 4.125%
HK$146,960
baseline
▲ 0.50% · 4.625%
HK$154,707
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,920/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,732 · Scale 2, in force from 26 Feb 2026)