LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,706
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,874
−HK$2,203/mo
Today · 4.125%
HK$74,077
baseline
▲ 0.50% · 4.625%
HK$78,584
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,154/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,547
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,627
−HK$2,110/mo
Today · 4.125%
HK$81,737
baseline
▲ 0.50% · 4.625%
HK$86,045
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,474/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,647
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,249
−HK$2,643/mo
Today · 4.125%
HK$88,892
baseline
▲ 0.50% · 4.625%
HK$94,301
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,784/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,056
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,532/mo
Today · 4.125%
HK$98,084
baseline
▲ 0.50% · 4.625%
HK$103,254
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,168/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,588
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,624
−HK$3,084/mo
Today · 4.125%
HK$103,708
baseline
▲ 0.50% · 4.625%
HK$110,018
+HK$6,310/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,416/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,566
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,477
−HK$2,954/mo
Today · 4.125%
HK$114,431
baseline
▲ 0.50% · 4.625%
HK$120,463
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,862/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,470
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,373
−HK$3,965/mo
Today · 4.125%
HK$133,338
baseline
▲ 0.50% · 4.625%
HK$141,452
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,676/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,585
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,328
−HK$3,798/mo
Today · 4.125%
HK$147,126
baseline
▲ 0.50% · 4.625%
HK$154,881
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,252/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,194 · Scale 2, in force from 26 Feb 2026)