LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,828
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,000
−HK$2,207/mo
Today · 4.125%
HK$74,207
baseline
▲ 0.50% · 4.625%
HK$78,722
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,414/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,683
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,767
−HK$2,113/mo
Today · 4.125%
HK$81,880
baseline
▲ 0.50% · 4.625%
HK$86,196
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,760/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,794
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,400
−HK$2,649/mo
Today · 4.125%
HK$89,049
baseline
▲ 0.50% · 4.625%
HK$94,467
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,098/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,220
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,720
−HK$2,536/mo
Today · 4.125%
HK$98,256
baseline
▲ 0.50% · 4.625%
HK$103,436
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,512/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,760
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,800
−HK$3,090/mo
Today · 4.125%
HK$103,890
baseline
▲ 0.50% · 4.625%
HK$110,211
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,780/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,757
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$111,673
−HK$2,959/mo
Today · 4.125%
HK$114,632
baseline
▲ 0.50% · 4.625%
HK$120,675
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,264/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,691
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,601
−HK$3,972/mo
Today · 4.125%
HK$133,573
baseline
▲ 0.50% · 4.625%
HK$141,700
+HK$8,127/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,146/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,830
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,580
−HK$3,804/mo
Today · 4.125%
HK$147,384
baseline
▲ 0.50% · 4.625%
HK$155,153
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,768/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,478 · Scale 2, in force from 26 Feb 2026)