LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,803
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,975
−HK$2,206/mo
Today · 4.125%
HK$74,181
baseline
▲ 0.50% · 4.625%
HK$78,694
+HK$4,513/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,362/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,656
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,738
−HK$2,113/mo
Today · 4.125%
HK$81,851
baseline
▲ 0.50% · 4.625%
HK$86,166
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,702/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,764
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,370
−HK$2,647/mo
Today · 4.125%
HK$89,017
baseline
▲ 0.50% · 4.625%
HK$94,433
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$178,034/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,187
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,686
−HK$2,535/mo
Today · 4.125%
HK$98,221
baseline
▲ 0.50% · 4.625%
HK$103,399
+HK$5,178/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$196,442/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,725
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,765
−HK$3,088/mo
Today · 4.125%
HK$103,853
baseline
▲ 0.50% · 4.625%
HK$110,172
+HK$6,319/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,706/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,718
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,634
−HK$2,958/mo
Today · 4.125%
HK$114,592
baseline
▲ 0.50% · 4.625%
HK$120,632
+HK$6,040/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,184/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,646
−HK$7,879/mo
▼ 0.25% · 3.875%
HK$129,555
−HK$3,970/mo
Today · 4.125%
HK$133,525
baseline
▲ 0.50% · 4.625%
HK$141,650
+HK$8,125/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,050/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,780
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,529
−HK$3,803/mo
Today · 4.125%
HK$147,332
baseline
▲ 0.50% · 4.625%
HK$155,098
+HK$7,766/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,664/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,015 · Scale 2, in force from 26 Feb 2026)