LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,824
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,996
−HK$2,207/mo
Today · 4.125%
HK$74,203
baseline
▲ 0.50% · 4.625%
HK$78,718
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,406/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,679
−HK$4,196/mo
▼ 0.25% · 3.875%
HK$79,762
−HK$2,113/mo
Today · 4.125%
HK$81,875
baseline
▲ 0.50% · 4.625%
HK$86,191
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,750/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,789
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,395
−HK$2,648/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$94,461
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,214
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,714
−HK$2,536/mo
Today · 4.125%
HK$98,250
baseline
▲ 0.50% · 4.625%
HK$103,429
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,500/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,754
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,794
−HK$3,090/mo
Today · 4.125%
HK$103,884
baseline
▲ 0.50% · 4.625%
HK$110,205
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$207,768/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,750
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,667
−HK$2,958/mo
Today · 4.125%
HK$114,625
baseline
▲ 0.50% · 4.625%
HK$120,667
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.43M · min. income ≈ HK$229,250/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,683
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,593
−HK$3,972/mo
Today · 4.125%
HK$133,565
baseline
▲ 0.50% · 4.625%
HK$141,692
+HK$8,127/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,130/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,821
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,571
−HK$3,804/mo
Today · 4.125%
HK$147,375
baseline
▲ 0.50% · 4.625%
HK$155,144
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,750/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,398 · Scale 2, in force from 26 Feb 2026)