LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,628
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,794
−HK$2,201/mo
Today · 4.125%
HK$73,995
baseline
▲ 0.50% · 4.625%
HK$78,497
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,990/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,461
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,538
−HK$2,108/mo
Today · 4.125%
HK$81,646
baseline
▲ 0.50% · 4.625%
HK$85,950
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,292/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,153
−HK$2,641/mo
Today · 4.125%
HK$88,794
baseline
▲ 0.50% · 4.625%
HK$94,197
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,588/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,953
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,446
−HK$2,529/mo
Today · 4.125%
HK$97,975
baseline
▲ 0.50% · 4.625%
HK$103,139
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,950/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,480
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,512
−HK$3,081/mo
Today · 4.125%
HK$103,593
baseline
▲ 0.50% · 4.625%
HK$109,896
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$207,186/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,445
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,354
−HK$2,950/mo
Today · 4.125%
HK$114,304
baseline
▲ 0.50% · 4.625%
HK$120,329
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.37M · min. income ≈ HK$228,608/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,331
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,230
−HK$3,961/mo
Today · 4.125%
HK$133,191
baseline
▲ 0.50% · 4.625%
HK$141,295
+HK$8,104/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,382/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,430
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,169
−HK$3,794/mo
Today · 4.125%
HK$146,963
baseline
▲ 0.50% · 4.625%
HK$154,709
+HK$7,746/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,926/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,753 · Scale 2, in force from 26 Feb 2026)