LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,731
−HK$4,372/mo
▼ 0.25% · 3.875%
HK$71,900
−HK$2,203/mo
Today · 4.125%
HK$74,103
baseline
▲ 0.50% · 4.625%
HK$78,612
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,206/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,575
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,655
−HK$2,111/mo
Today · 4.125%
HK$81,766
baseline
▲ 0.50% · 4.625%
HK$86,076
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,532/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,677
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,280
−HK$2,644/mo
Today · 4.125%
HK$88,924
baseline
▲ 0.50% · 4.625%
HK$94,335
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,848/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,090
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,586
−HK$2,533/mo
Today · 4.125%
HK$98,119
baseline
▲ 0.50% · 4.625%
HK$103,291
+HK$5,172/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,238/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,623
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,660
−HK$3,085/mo
Today · 4.125%
HK$103,745
baseline
▲ 0.50% · 4.625%
HK$110,057
+HK$6,312/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,490/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,605
−HK$5,867/mo
▼ 0.25% · 3.875%
HK$111,517
−HK$2,955/mo
Today · 4.125%
HK$114,472
baseline
▲ 0.50% · 4.625%
HK$120,506
+HK$6,034/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,944/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,515
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$129,420
−HK$3,966/mo
Today · 4.125%
HK$133,386
baseline
▲ 0.50% · 4.625%
HK$141,502
+HK$8,116/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,772/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,635
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,379
−HK$3,800/mo
Today · 4.125%
HK$147,179
baseline
▲ 0.50% · 4.625%
HK$154,937
+HK$7,758/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,358/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,660 · Scale 2, in force from 26 Feb 2026)