LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,723
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,892
−HK$2,204/mo
Today · 4.125%
HK$74,096
baseline
▲ 0.50% · 4.625%
HK$78,604
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,192/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,567
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,647
−HK$2,110/mo
Today · 4.125%
HK$81,757
baseline
▲ 0.50% · 4.625%
HK$86,067
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,514/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,668
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,271
−HK$2,644/mo
Today · 4.125%
HK$88,915
baseline
▲ 0.50% · 4.625%
HK$94,325
+HK$5,410/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,830/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,080
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,576
−HK$2,533/mo
Today · 4.125%
HK$98,109
baseline
▲ 0.50% · 4.625%
HK$103,280
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,218/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,613
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,649
−HK$3,085/mo
Today · 4.125%
HK$103,734
baseline
▲ 0.50% · 4.625%
HK$110,046
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,468/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,593
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,506
−HK$2,954/mo
Today · 4.125%
HK$114,460
baseline
▲ 0.50% · 4.625%
HK$120,494
+HK$6,034/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,920/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,502
−HK$7,870/mo
▼ 0.25% · 3.875%
HK$129,406
−HK$3,966/mo
Today · 4.125%
HK$133,372
baseline
▲ 0.50% · 4.625%
HK$141,488
+HK$8,116/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,744/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,620
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,365
−HK$3,798/mo
Today · 4.125%
HK$147,163
baseline
▲ 0.50% · 4.625%
HK$154,920
+HK$7,757/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,326/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,525 · Scale 2, in force from 26 Feb 2026)