LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,811
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,983
−HK$2,206/mo
Today · 4.125%
HK$74,189
baseline
▲ 0.50% · 4.625%
HK$78,703
+HK$4,514/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,378/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,664
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,747
−HK$2,113/mo
Today · 4.125%
HK$81,860
baseline
▲ 0.50% · 4.625%
HK$86,175
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,720/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,773
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,379
−HK$2,648/mo
Today · 4.125%
HK$89,027
baseline
▲ 0.50% · 4.625%
HK$94,444
+HK$5,417/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,054/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,197
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,696
−HK$2,536/mo
Today · 4.125%
HK$98,232
baseline
▲ 0.50% · 4.625%
HK$103,410
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,464/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,735
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,776
−HK$3,088/mo
Today · 4.125%
HK$103,864
baseline
▲ 0.50% · 4.625%
HK$110,184
+HK$6,320/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,728/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,730
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,646
−HK$2,958/mo
Today · 4.125%
HK$114,604
baseline
▲ 0.50% · 4.625%
HK$120,645
+HK$6,041/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,208/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,660
−HK$7,880/mo
▼ 0.25% · 3.875%
HK$129,569
−HK$3,971/mo
Today · 4.125%
HK$133,540
baseline
▲ 0.50% · 4.625%
HK$141,665
+HK$8,125/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,080/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,795
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,545
−HK$3,803/mo
Today · 4.125%
HK$147,348
baseline
▲ 0.50% · 4.625%
HK$155,115
+HK$7,767/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,696/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,157 · Scale 2, in force from 26 Feb 2026)