LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,833
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,005
−HK$2,207/mo
Today · 4.125%
HK$74,212
baseline
▲ 0.50% · 4.625%
HK$78,728
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,424/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,689
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,772
−HK$2,114/mo
Today · 4.125%
HK$81,886
baseline
▲ 0.50% · 4.625%
HK$86,202
+HK$4,316/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,772/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,407
−HK$2,648/mo
Today · 4.125%
HK$89,055
baseline
▲ 0.50% · 4.625%
HK$94,474
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,110/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,227
−HK$5,036/mo
▼ 0.25% · 3.875%
HK$95,727
−HK$2,536/mo
Today · 4.125%
HK$98,263
baseline
▲ 0.50% · 4.625%
HK$103,443
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,526/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,767
−HK$6,130/mo
▼ 0.25% · 3.875%
HK$100,808
−HK$3,089/mo
Today · 4.125%
HK$103,897
baseline
▲ 0.50% · 4.625%
HK$110,219
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,794/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,764
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,681
−HK$2,960/mo
Today · 4.125%
HK$114,641
baseline
▲ 0.50% · 4.625%
HK$120,683
+HK$6,042/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,282/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,700
−HK$7,882/mo
▼ 0.25% · 3.875%
HK$129,610
−HK$3,972/mo
Today · 4.125%
HK$133,582
baseline
▲ 0.50% · 4.625%
HK$141,711
+HK$8,129/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,164/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,840
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,590
−HK$3,805/mo
Today · 4.125%
HK$147,395
baseline
▲ 0.50% · 4.625%
HK$155,164
+HK$7,769/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,790/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,571 · Scale 2, in force from 26 Feb 2026)