LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,726
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,895
−HK$2,204/mo
Today · 4.125%
HK$74,099
baseline
▲ 0.50% · 4.625%
HK$78,607
+HK$4,508/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,198/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,570
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,650
−HK$2,111/mo
Today · 4.125%
HK$81,761
baseline
▲ 0.50% · 4.625%
HK$86,070
+HK$4,309/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,522/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,671
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,274
−HK$2,644/mo
Today · 4.125%
HK$88,918
baseline
▲ 0.50% · 4.625%
HK$94,329
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,836/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,084
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,580
−HK$2,533/mo
Today · 4.125%
HK$98,113
baseline
▲ 0.50% · 4.625%
HK$103,284
+HK$5,171/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,226/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,617
−HK$6,121/mo
▼ 0.25% · 3.875%
HK$100,653
−HK$3,085/mo
Today · 4.125%
HK$103,738
baseline
▲ 0.50% · 4.625%
HK$110,050
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,476/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,598
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,510
−HK$2,955/mo
Today · 4.125%
HK$114,465
baseline
▲ 0.50% · 4.625%
HK$120,498
+HK$6,033/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,930/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,507
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$129,411
−HK$3,967/mo
Today · 4.125%
HK$133,378
baseline
▲ 0.50% · 4.625%
HK$141,493
+HK$8,115/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,756/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,626
−HK$7,543/mo
▼ 0.25% · 3.875%
HK$143,370
−HK$3,799/mo
Today · 4.125%
HK$147,169
baseline
▲ 0.50% · 4.625%
HK$154,927
+HK$7,758/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,338/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,576 · Scale 2, in force from 26 Feb 2026)