LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,746
−HK$4,373/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$2,204/mo
Today · 4.125%
HK$74,119
baseline
▲ 0.50% · 4.625%
HK$78,629
+HK$4,510/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$148,238/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,591
−HK$4,192/mo
▼ 0.25% · 3.875%
HK$79,672
−HK$2,111/mo
Today · 4.125%
HK$81,783
baseline
▲ 0.50% · 4.625%
HK$86,094
+HK$4,311/mo
Deposit HK$15.29M · loan HK$15.29M · min. income ≈ HK$163,566/mo (50% DSR)
Upfront cash ≈ HK$16.59M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,695
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,645/mo
Today · 4.125%
HK$88,943
baseline
▲ 0.50% · 4.625%
HK$94,355
+HK$5,412/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$177,886/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,110
−HK$5,030/mo
▼ 0.25% · 3.875%
HK$95,607
−HK$2,533/mo
Today · 4.125%
HK$98,140
baseline
▲ 0.50% · 4.625%
HK$103,313
+HK$5,173/mo
Deposit HK$12.23M · loan HK$18.35M · min. income ≈ HK$196,280/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,644
−HK$6,123/mo
▼ 0.25% · 3.875%
HK$100,681
−HK$3,086/mo
Today · 4.125%
HK$103,767
baseline
▲ 0.50% · 4.625%
HK$110,081
+HK$6,314/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$207,534/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,628
−HK$5,869/mo
▼ 0.25% · 3.875%
HK$111,541
−HK$2,956/mo
Today · 4.125%
HK$114,497
baseline
▲ 0.50% · 4.625%
HK$120,532
+HK$6,035/mo
Deposit HK$9.18M · loan HK$21.41M · min. income ≈ HK$228,994/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,542
−HK$7,873/mo
▼ 0.25% · 3.875%
HK$129,447
−HK$3,968/mo
Today · 4.125%
HK$133,415
baseline
▲ 0.50% · 4.625%
HK$141,533
+HK$8,118/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$266,830/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,664
−HK$7,546/mo
▼ 0.25% · 3.875%
HK$143,410
−HK$3,800/mo
Today · 4.125%
HK$147,210
baseline
▲ 0.50% · 4.625%
HK$154,970
+HK$7,760/mo
Deposit HK$3.06M · loan HK$27.53M · min. income ≈ HK$294,420/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,938 · Scale 2, in force from 26 Feb 2026)