LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,638
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,804
−HK$2,201/mo
Today · 4.125%
HK$74,005
baseline
▲ 0.50% · 4.625%
HK$78,508
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,010/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,472
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,549
−HK$2,108/mo
Today · 4.125%
HK$81,657
baseline
▲ 0.50% · 4.625%
HK$85,962
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,314/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,566
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,165
−HK$2,641/mo
Today · 4.125%
HK$88,806
baseline
▲ 0.50% · 4.625%
HK$94,210
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,612/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,966
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,459
−HK$2,530/mo
Today · 4.125%
HK$97,989
baseline
▲ 0.50% · 4.625%
HK$103,154
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,978/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,493
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,526
−HK$3,081/mo
Today · 4.125%
HK$103,607
baseline
▲ 0.50% · 4.625%
HK$109,911
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,214/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,460
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,369
−HK$2,951/mo
Today · 4.125%
HK$114,320
baseline
▲ 0.50% · 4.625%
HK$120,346
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,640/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,349
−HK$7,860/mo
▼ 0.25% · 3.875%
HK$129,248
−HK$3,961/mo
Today · 4.125%
HK$133,209
baseline
▲ 0.50% · 4.625%
HK$141,315
+HK$8,106/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,418/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,449
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,189
−HK$3,794/mo
Today · 4.125%
HK$146,983
baseline
▲ 0.50% · 4.625%
HK$154,731
+HK$7,748/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,966/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,934 · Scale 2, in force from 26 Feb 2026)