LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,713
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,881
−HK$2,203/mo
Today · 4.125%
HK$74,084
baseline
▲ 0.50% · 4.625%
HK$78,592
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,168/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,555
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,635
−HK$2,110/mo
Today · 4.125%
HK$81,745
baseline
▲ 0.50% · 4.625%
HK$86,054
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,490/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,655
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$86,258
−HK$2,643/mo
Today · 4.125%
HK$88,901
baseline
▲ 0.50% · 4.625%
HK$94,311
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,802/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,066
−HK$5,028/mo
▼ 0.25% · 3.875%
HK$95,562
−HK$2,532/mo
Today · 4.125%
HK$98,094
baseline
▲ 0.50% · 4.625%
HK$103,264
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,188/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,598
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,634
−HK$3,084/mo
Today · 4.125%
HK$103,718
baseline
▲ 0.50% · 4.625%
HK$110,029
+HK$6,311/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,436/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,577
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,489
−HK$2,954/mo
Today · 4.125%
HK$114,443
baseline
▲ 0.50% · 4.625%
HK$120,475
+HK$6,032/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,886/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,483
−HK$7,869/mo
▼ 0.25% · 3.875%
HK$129,386
−HK$3,966/mo
Today · 4.125%
HK$133,352
baseline
▲ 0.50% · 4.625%
HK$141,466
+HK$8,114/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,704/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,599
−HK$7,542/mo
▼ 0.25% · 3.875%
HK$143,343
−HK$3,798/mo
Today · 4.125%
HK$147,141
baseline
▲ 0.50% · 4.625%
HK$154,897
+HK$7,756/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,282/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,326 · Scale 2, in force from 26 Feb 2026)