LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,831
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,003
−HK$2,207/mo
Today · 4.125%
HK$74,210
baseline
▲ 0.50% · 4.625%
HK$78,725
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,420/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,686
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,769
−HK$2,114/mo
Today · 4.125%
HK$81,883
baseline
▲ 0.50% · 4.625%
HK$86,199
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,766/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,797
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$86,403
−HK$2,648/mo
Today · 4.125%
HK$89,051
baseline
▲ 0.50% · 4.625%
HK$94,470
+HK$5,419/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$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,223
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,723
−HK$2,536/mo
Today · 4.125%
HK$98,259
baseline
▲ 0.50% · 4.625%
HK$103,439
+HK$5,180/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$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,763
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,804
−HK$3,089/mo
Today · 4.125%
HK$103,893
baseline
▲ 0.50% · 4.625%
HK$110,215
+HK$6,322/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$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,760
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,677
−HK$2,959/mo
Today · 4.125%
HK$114,636
baseline
▲ 0.50% · 4.625%
HK$120,679
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,272/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,695
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,605
−HK$3,972/mo
Today · 4.125%
HK$133,577
baseline
▲ 0.50% · 4.625%
HK$141,705
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,154/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,834
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,585
−HK$3,804/mo
Today · 4.125%
HK$147,389
baseline
▲ 0.50% · 4.625%
HK$155,158
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,778/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,520 · Scale 2, in force from 26 Feb 2026)