LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,634
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,800
−HK$2,201/mo
Today · 4.125%
HK$74,001
baseline
▲ 0.50% · 4.625%
HK$78,503
+HK$4,502/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,002/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,467
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,545
−HK$2,107/mo
Today · 4.125%
HK$81,652
baseline
▲ 0.50% · 4.625%
HK$85,956
+HK$4,304/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,304/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,561
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,641/mo
Today · 4.125%
HK$88,801
baseline
▲ 0.50% · 4.625%
HK$94,204
+HK$5,403/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,602/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,960
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,454
−HK$2,529/mo
Today · 4.125%
HK$97,983
baseline
▲ 0.50% · 4.625%
HK$103,148
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,966/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,487
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,520
−HK$3,081/mo
Today · 4.125%
HK$103,601
baseline
▲ 0.50% · 4.625%
HK$109,905
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,202/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,454
−HK$5,859/mo
▼ 0.25% · 3.875%
HK$111,363
−HK$2,950/mo
Today · 4.125%
HK$114,313
baseline
▲ 0.50% · 4.625%
HK$120,339
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,626/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,341
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,240
−HK$3,961/mo
Today · 4.125%
HK$133,201
baseline
▲ 0.50% · 4.625%
HK$141,306
+HK$8,105/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$266,402/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,441
−HK$7,533/mo
▼ 0.25% · 3.875%
HK$143,180
−HK$3,794/mo
Today · 4.125%
HK$146,974
baseline
▲ 0.50% · 4.625%
HK$154,721
+HK$7,747/mo
Deposit HK$3.05M · loan HK$27.48M · min. income ≈ HK$293,948/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,855 · Scale 2, in force from 26 Feb 2026)