LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,739
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,908
−HK$2,204/mo
Today · 4.125%
HK$74,112
baseline
▲ 0.50% · 4.625%
HK$78,622
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,224/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,584
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$79,665
−HK$2,110/mo
Today · 4.125%
HK$81,775
baseline
▲ 0.50% · 4.625%
HK$86,086
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,550/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,687
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$86,290
−HK$2,644/mo
Today · 4.125%
HK$88,934
baseline
▲ 0.50% · 4.625%
HK$94,346
+HK$5,412/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,868/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,101
−HK$5,029/mo
▼ 0.25% · 3.875%
HK$95,597
−HK$2,533/mo
Today · 4.125%
HK$98,130
baseline
▲ 0.50% · 4.625%
HK$103,303
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,260/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,634
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,671
−HK$3,086/mo
Today · 4.125%
HK$103,757
baseline
▲ 0.50% · 4.625%
HK$110,070
+HK$6,313/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,514/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,617
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,530
−HK$2,956/mo
Today · 4.125%
HK$114,486
baseline
▲ 0.50% · 4.625%
HK$120,520
+HK$6,034/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$228,972/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,530
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,435
−HK$3,967/mo
Today · 4.125%
HK$133,402
baseline
▲ 0.50% · 4.625%
HK$141,519
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,804/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,651
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,396
−HK$3,800/mo
Today · 4.125%
HK$147,196
baseline
▲ 0.50% · 4.625%
HK$154,955
+HK$7,759/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,392/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,811 · Scale 2, in force from 26 Feb 2026)