LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,710
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,878
−HK$2,204/mo
Today · 4.125%
HK$74,082
baseline
▲ 0.50% · 4.625%
HK$78,589
+HK$4,507/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,164/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,552
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,632
−HK$2,110/mo
Today · 4.125%
HK$81,742
baseline
▲ 0.50% · 4.625%
HK$86,050
+HK$4,308/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,484/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,652
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,254
−HK$2,644/mo
Today · 4.125%
HK$88,898
baseline
▲ 0.50% · 4.625%
HK$94,307
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,796/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,062
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,558
−HK$2,532/mo
Today · 4.125%
HK$98,090
baseline
▲ 0.50% · 4.625%
HK$103,260
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,180/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,594
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,630
−HK$3,084/mo
Today · 4.125%
HK$103,714
baseline
▲ 0.50% · 4.625%
HK$110,025
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,428/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,573
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,484
−HK$2,954/mo
Today · 4.125%
HK$114,438
baseline
▲ 0.50% · 4.625%
HK$120,471
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,876/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,478
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,381
−HK$3,966/mo
Today · 4.125%
HK$133,347
baseline
▲ 0.50% · 4.625%
HK$141,461
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,694/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,593
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,337
−HK$3,798/mo
Today · 4.125%
HK$147,135
baseline
▲ 0.50% · 4.625%
HK$154,891
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,270/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,275 · Scale 2, in force from 26 Feb 2026)