LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,832
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,004
−HK$2,207/mo
Today · 4.125%
HK$74,211
baseline
▲ 0.50% · 4.625%
HK$78,726
+HK$4,515/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,422/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,687
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,770
−HK$2,114/mo
Today · 4.125%
HK$81,884
baseline
▲ 0.50% · 4.625%
HK$86,200
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,768/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,798
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,404
−HK$2,649/mo
Today · 4.125%
HK$89,053
baseline
▲ 0.50% · 4.625%
HK$94,471
+HK$5,418/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$178,106/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,224
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,724
−HK$2,537/mo
Today · 4.125%
HK$98,261
baseline
▲ 0.50% · 4.625%
HK$103,440
+HK$5,179/mo
Deposit HK$12.25M · loan HK$18.37M · min. income ≈ HK$196,522/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,764
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,805
−HK$3,090/mo
Today · 4.125%
HK$103,895
baseline
▲ 0.50% · 4.625%
HK$110,217
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,790/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,762
−HK$5,876/mo
▼ 0.25% · 3.875%
HK$111,679
−HK$2,959/mo
Today · 4.125%
HK$114,638
baseline
▲ 0.50% · 4.625%
HK$120,680
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,276/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,697
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,607
−HK$3,972/mo
Today · 4.125%
HK$133,579
baseline
▲ 0.50% · 4.625%
HK$141,707
+HK$8,128/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,158/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,836
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,587
−HK$3,804/mo
Today · 4.125%
HK$147,391
baseline
▲ 0.50% · 4.625%
HK$155,161
+HK$7,770/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,782/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,538 · Scale 2, in force from 26 Feb 2026)