LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,814
−HK$4,378/mo
▼ 0.25% · 3.875%
HK$71,986
−HK$2,206/mo
Today · 4.125%
HK$74,192
baseline
▲ 0.50% · 4.625%
HK$78,706
+HK$4,514/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,384/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,667
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,750
−HK$2,114/mo
Today · 4.125%
HK$81,864
baseline
▲ 0.50% · 4.625%
HK$86,179
+HK$4,315/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,728/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,777
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,383
−HK$2,647/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$94,448
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,201
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,701
−HK$2,535/mo
Today · 4.125%
HK$98,236
baseline
▲ 0.50% · 4.625%
HK$103,414
+HK$5,178/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,472/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,740
−HK$6,129/mo
▼ 0.25% · 3.875%
HK$100,780
−HK$3,089/mo
Today · 4.125%
HK$103,869
baseline
▲ 0.50% · 4.625%
HK$110,189
+HK$6,320/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,738/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,734
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,651
−HK$2,958/mo
Today · 4.125%
HK$114,609
baseline
▲ 0.50% · 4.625%
HK$120,650
+HK$6,041/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,218/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,665
−HK$7,881/mo
▼ 0.25% · 3.875%
HK$129,574
−HK$3,972/mo
Today · 4.125%
HK$133,546
baseline
▲ 0.50% · 4.625%
HK$141,672
+HK$8,126/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,092/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,801
−HK$7,553/mo
▼ 0.25% · 3.875%
HK$143,551
−HK$3,803/mo
Today · 4.125%
HK$147,354
baseline
▲ 0.50% · 4.625%
HK$155,122
+HK$7,768/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,708/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,212 · Scale 2, in force from 26 Feb 2026)