LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,639
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,805
−HK$2,201/mo
Today · 4.125%
HK$74,006
baseline
▲ 0.50% · 4.625%
HK$78,509
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,012/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,473
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,551
−HK$2,107/mo
Today · 4.125%
HK$81,658
baseline
▲ 0.50% · 4.625%
HK$85,963
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,316/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,567
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$86,166
−HK$2,641/mo
Today · 4.125%
HK$88,807
baseline
▲ 0.50% · 4.625%
HK$94,211
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,614/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,967
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,461
−HK$2,529/mo
Today · 4.125%
HK$97,990
baseline
▲ 0.50% · 4.625%
HK$103,155
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,980/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,495
−HK$6,114/mo
▼ 0.25% · 3.875%
HK$100,527
−HK$3,082/mo
Today · 4.125%
HK$103,609
baseline
▲ 0.50% · 4.625%
HK$109,913
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,218/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,462
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,371
−HK$2,951/mo
Today · 4.125%
HK$114,322
baseline
▲ 0.50% · 4.625%
HK$120,348
+HK$6,026/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,644/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,350
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,250
−HK$3,961/mo
Today · 4.125%
HK$133,211
baseline
▲ 0.50% · 4.625%
HK$141,317
+HK$8,106/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,422/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,451
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,191
−HK$3,794/mo
Today · 4.125%
HK$146,985
baseline
▲ 0.50% · 4.625%
HK$154,733
+HK$7,748/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,970/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,297,952 · Scale 2, in force from 26 Feb 2026)