LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,830
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,002
−HK$2,207/mo
Today · 4.125%
HK$74,209
baseline
▲ 0.50% · 4.625%
HK$78,724
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,418/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,685
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,769
−HK$2,113/mo
Today · 4.125%
HK$81,882
baseline
▲ 0.50% · 4.625%
HK$86,198
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,764/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,796
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,403
−HK$2,648/mo
Today · 4.125%
HK$89,051
baseline
▲ 0.50% · 4.625%
HK$94,469
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,102/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,222
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,722
−HK$2,537/mo
Today · 4.125%
HK$98,259
baseline
▲ 0.50% · 4.625%
HK$103,438
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,518/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,762
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,803
−HK$3,090/mo
Today · 4.125%
HK$103,893
baseline
▲ 0.50% · 4.625%
HK$110,214
+HK$6,321/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,786/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,759
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,676
−HK$2,959/mo
Today · 4.125%
HK$114,635
baseline
▲ 0.50% · 4.625%
HK$120,678
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,270/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,694
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,604
−HK$3,972/mo
Today · 4.125%
HK$133,576
baseline
▲ 0.50% · 4.625%
HK$141,704
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,152/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,833
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,584
−HK$3,804/mo
Today · 4.125%
HK$147,388
baseline
▲ 0.50% · 4.625%
HK$155,157
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,776/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,510 · Scale 2, in force from 26 Feb 2026)