LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,710
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,878
−HK$2,203/mo
Today · 4.125%
HK$74,081
baseline
▲ 0.50% · 4.625%
HK$78,589
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,162/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,551
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,631
−HK$2,110/mo
Today · 4.125%
HK$81,741
baseline
▲ 0.50% · 4.625%
HK$86,050
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,482/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,652
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,254
−HK$2,643/mo
Today · 4.125%
HK$88,897
baseline
▲ 0.50% · 4.625%
HK$94,306
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,794/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,061
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,557
−HK$2,532/mo
Today · 4.125%
HK$98,089
baseline
▲ 0.50% · 4.625%
HK$103,260
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,178/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,593
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,629
−HK$3,084/mo
Today · 4.125%
HK$103,713
baseline
▲ 0.50% · 4.625%
HK$110,024
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,426/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,572
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$2,953/mo
Today · 4.125%
HK$114,437
baseline
▲ 0.50% · 4.625%
HK$120,470
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,874/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,477
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,380
−HK$3,966/mo
Today · 4.125%
HK$133,346
baseline
▲ 0.50% · 4.625%
HK$141,460
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,692/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,592
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,336
−HK$3,798/mo
Today · 4.125%
HK$147,134
baseline
▲ 0.50% · 4.625%
HK$154,890
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,268/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,266 · Scale 2, in force from 26 Feb 2026)