LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,829
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,001
−HK$2,207/mo
Today · 4.125%
HK$74,208
baseline
▲ 0.50% · 4.625%
HK$78,723
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,416/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,684
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,768
−HK$2,113/mo
Today · 4.125%
HK$81,881
baseline
▲ 0.50% · 4.625%
HK$86,197
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,762/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,795
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,401
−HK$2,649/mo
Today · 4.125%
HK$89,050
baseline
▲ 0.50% · 4.625%
HK$94,468
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,100/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,221
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,721
−HK$2,536/mo
Today · 4.125%
HK$98,257
baseline
▲ 0.50% · 4.625%
HK$103,437
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,514/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,761
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,802
−HK$3,089/mo
Today · 4.125%
HK$103,891
baseline
▲ 0.50% · 4.625%
HK$110,213
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,782/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,758
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,675
−HK$2,959/mo
Today · 4.125%
HK$114,634
baseline
▲ 0.50% · 4.625%
HK$120,676
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,268/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,692
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,602
−HK$3,972/mo
Today · 4.125%
HK$133,574
baseline
▲ 0.50% · 4.625%
HK$141,702
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,148/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,832
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$143,582
−HK$3,804/mo
Today · 4.125%
HK$147,386
baseline
▲ 0.50% · 4.625%
HK$155,155
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,772/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,493 · Scale 2, in force from 26 Feb 2026)