LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,742
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,911
−HK$2,204/mo
Today · 4.125%
HK$74,115
baseline
▲ 0.50% · 4.625%
HK$78,625
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,230/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,587
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,668
−HK$2,111/mo
Today · 4.125%
HK$81,779
baseline
▲ 0.50% · 4.625%
HK$86,089
+HK$4,310/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,558/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,690
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,293
−HK$2,645/mo
Today · 4.125%
HK$88,938
baseline
▲ 0.50% · 4.625%
HK$94,350
+HK$5,412/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,876/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,104
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,601
−HK$2,533/mo
Today · 4.125%
HK$98,134
baseline
▲ 0.50% · 4.625%
HK$103,307
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,268/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,638
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,675
−HK$3,086/mo
Today · 4.125%
HK$103,761
baseline
▲ 0.50% · 4.625%
HK$110,075
+HK$6,314/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,522/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,622
−HK$5,868/mo
▼ 0.25% · 3.875%
HK$111,535
−HK$2,955/mo
Today · 4.125%
HK$114,490
baseline
▲ 0.50% · 4.625%
HK$120,525
+HK$6,035/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$228,980/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,535
−HK$7,872/mo
▼ 0.25% · 3.875%
HK$129,440
−HK$3,967/mo
Today · 4.125%
HK$133,407
baseline
▲ 0.50% · 4.625%
HK$141,524
+HK$8,117/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,814/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,656
−HK$7,545/mo
▼ 0.25% · 3.875%
HK$143,402
−HK$3,799/mo
Today · 4.125%
HK$147,201
baseline
▲ 0.50% · 4.625%
HK$154,961
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,402/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,862 · Scale 2, in force from 26 Feb 2026)