LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,632
−HK$4,366/mo
▼ 0.25% · 3.875%
HK$71,798
−HK$2,200/mo
Today · 4.125%
HK$73,998
baseline
▲ 0.50% · 4.625%
HK$78,501
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$147,996/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,465
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,542
−HK$2,108/mo
Today · 4.125%
HK$81,650
baseline
▲ 0.50% · 4.625%
HK$85,954
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,300/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,558
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,157
−HK$2,641/mo
Today · 4.125%
HK$88,798
baseline
▲ 0.50% · 4.625%
HK$94,201
+HK$5,403/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$177,596/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,958
−HK$5,022/mo
▼ 0.25% · 3.875%
HK$95,451
−HK$2,529/mo
Today · 4.125%
HK$97,980
baseline
▲ 0.50% · 4.625%
HK$103,144
+HK$5,164/mo
Deposit HK$12.21M · loan HK$18.32M · min. income ≈ HK$195,960/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,484
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,517
−HK$3,081/mo
Today · 4.125%
HK$103,598
baseline
▲ 0.50% · 4.625%
HK$109,901
+HK$6,303/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,196/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,450
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,359
−HK$2,951/mo
Today · 4.125%
HK$114,310
baseline
▲ 0.50% · 4.625%
HK$120,335
+HK$6,025/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,620/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,337
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,236
−HK$3,961/mo
Today · 4.125%
HK$133,197
baseline
▲ 0.50% · 4.625%
HK$141,302
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,394/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,436
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,176
−HK$3,794/mo
Today · 4.125%
HK$146,970
baseline
▲ 0.50% · 4.625%
HK$154,717
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,940/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,815 · Scale 2, in force from 26 Feb 2026)