LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,732
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,902
−HK$2,203/mo
Today · 4.125%
HK$74,105
baseline
▲ 0.50% · 4.625%
HK$78,614
+HK$4,509/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,210/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,577
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,657
−HK$2,111/mo
Today · 4.125%
HK$81,768
baseline
▲ 0.50% · 4.625%
HK$86,078
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,536/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,679
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,282
−HK$2,644/mo
Today · 4.125%
HK$88,926
baseline
▲ 0.50% · 4.625%
HK$94,337
+HK$5,411/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,852/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,092
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,589
−HK$2,532/mo
Today · 4.125%
HK$98,121
baseline
▲ 0.50% · 4.625%
HK$103,294
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,242/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,625
−HK$6,122/mo
▼ 0.25% · 3.875%
HK$100,662
−HK$3,085/mo
Today · 4.125%
HK$103,747
baseline
▲ 0.50% · 4.625%
HK$110,060
+HK$6,313/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$207,494/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,607
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,520
−HK$2,955/mo
Today · 4.125%
HK$114,475
baseline
▲ 0.50% · 4.625%
HK$120,509
+HK$6,034/mo
Deposit HK$9.17M · loan HK$21.41M · min. income ≈ HK$228,950/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,518
−HK$7,871/mo
▼ 0.25% · 3.875%
HK$129,423
−HK$3,966/mo
Today · 4.125%
HK$133,389
baseline
▲ 0.50% · 4.625%
HK$141,506
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$266,778/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,638
−HK$7,544/mo
▼ 0.25% · 3.875%
HK$143,383
−HK$3,799/mo
Today · 4.125%
HK$147,182
baseline
▲ 0.50% · 4.625%
HK$154,940
+HK$7,758/mo
Deposit HK$3.06M · loan HK$27.52M · min. income ≈ HK$294,364/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,691 · Scale 2, in force from 26 Feb 2026)