LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,707
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$2,203/mo
Today · 4.125%
HK$74,078
baseline
▲ 0.50% · 4.625%
HK$78,585
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,156/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,548
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,628
−HK$2,110/mo
Today · 4.125%
HK$81,738
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,476/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,643/mo
Today · 4.125%
HK$88,893
baseline
▲ 0.50% · 4.625%
HK$94,302
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,786/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,057
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,553
−HK$2,532/mo
Today · 4.125%
HK$98,085
baseline
▲ 0.50% · 4.625%
HK$103,255
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,170/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,589
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$3,084/mo
Today · 4.125%
HK$103,709
baseline
▲ 0.50% · 4.625%
HK$110,019
+HK$6,310/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,418/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,567
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,479
−HK$2,954/mo
Today · 4.125%
HK$114,433
baseline
▲ 0.50% · 4.625%
HK$120,464
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,866/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,472
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,375
−HK$3,965/mo
Today · 4.125%
HK$133,340
baseline
▲ 0.50% · 4.625%
HK$141,453
+HK$8,113/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,680/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,586
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,330
−HK$3,798/mo
Today · 4.125%
HK$147,128
baseline
▲ 0.50% · 4.625%
HK$154,883
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,256/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,209 · Scale 2, in force from 26 Feb 2026)