LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,631
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,797
−HK$2,200/mo
Today · 4.125%
HK$73,997
baseline
▲ 0.50% · 4.625%
HK$78,500
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,994/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,464
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,541
−HK$2,108/mo
Today · 4.125%
HK$81,649
baseline
▲ 0.50% · 4.625%
HK$85,953
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,298/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,557
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,156
−HK$2,641/mo
Today · 4.125%
HK$88,797
baseline
▲ 0.50% · 4.625%
HK$94,200
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,594/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,956
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,449
−HK$2,529/mo
Today · 4.125%
HK$97,978
baseline
▲ 0.50% · 4.625%
HK$103,143
+HK$5,165/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,956/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,483
−HK$6,113/mo
▼ 0.25% · 3.875%
HK$100,515
−HK$3,081/mo
Today · 4.125%
HK$103,596
baseline
▲ 0.50% · 4.625%
HK$109,900
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,192/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,449
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,358
−HK$2,950/mo
Today · 4.125%
HK$114,308
baseline
▲ 0.50% · 4.625%
HK$120,334
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,616/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,335
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,234
−HK$3,961/mo
Today · 4.125%
HK$133,195
baseline
▲ 0.50% · 4.625%
HK$141,300
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,390/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,434
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,174
−HK$3,794/mo
Today · 4.125%
HK$146,968
baseline
▲ 0.50% · 4.625%
HK$154,715
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,936/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,797 · Scale 2, in force from 26 Feb 2026)