LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,826
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$71,998
−HK$2,207/mo
Today · 4.125%
HK$74,205
baseline
▲ 0.50% · 4.625%
HK$78,720
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,410/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,681
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,764
−HK$2,114/mo
Today · 4.125%
HK$81,878
baseline
▲ 0.50% · 4.625%
HK$86,194
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,756/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,791
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,648/mo
Today · 4.125%
HK$89,046
baseline
▲ 0.50% · 4.625%
HK$94,464
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,092/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,217
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,717
−HK$2,536/mo
Today · 4.125%
HK$98,253
baseline
▲ 0.50% · 4.625%
HK$103,432
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,506/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,757
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,798
−HK$3,089/mo
Today · 4.125%
HK$103,887
baseline
▲ 0.50% · 4.625%
HK$110,208
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,774/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,753
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,670
−HK$2,959/mo
Today · 4.125%
HK$114,629
baseline
▲ 0.50% · 4.625%
HK$120,671
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,258/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,687
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,597
−HK$3,972/mo
Today · 4.125%
HK$133,569
baseline
▲ 0.50% · 4.625%
HK$141,696
+HK$8,127/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,138/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,826
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,576
−HK$3,804/mo
Today · 4.125%
HK$147,380
baseline
▲ 0.50% · 4.625%
HK$155,149
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,760/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,439 · Scale 2, in force from 26 Feb 2026)