LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,836
−HK$4,379/mo
▼ 0.25% · 3.875%
HK$72,008
−HK$2,207/mo
Today · 4.125%
HK$74,215
baseline
▲ 0.50% · 4.625%
HK$78,731
+HK$4,516/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$148,430/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,692
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$79,775
−HK$2,114/mo
Today · 4.125%
HK$81,889
baseline
▲ 0.50% · 4.625%
HK$86,206
+HK$4,317/mo
Deposit HK$15.31M · loan HK$15.31M · min. income ≈ HK$163,778/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,803
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$86,410
−HK$2,648/mo
Today · 4.125%
HK$89,058
baseline
▲ 0.50% · 4.625%
HK$94,477
+HK$5,419/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,116/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,230
−HK$5,037/mo
▼ 0.25% · 3.875%
HK$95,730
−HK$2,537/mo
Today · 4.125%
HK$98,267
baseline
▲ 0.50% · 4.625%
HK$103,447
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,534/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,770
−HK$6,131/mo
▼ 0.25% · 3.875%
HK$100,811
−HK$3,090/mo
Today · 4.125%
HK$103,901
baseline
▲ 0.50% · 4.625%
HK$110,223
+HK$6,322/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,802/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,768
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,685
−HK$2,960/mo
Today · 4.125%
HK$114,645
baseline
▲ 0.50% · 4.625%
HK$120,688
+HK$6,043/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,290/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,704
−HK$7,883/mo
▼ 0.25% · 3.875%
HK$129,615
−HK$3,972/mo
Today · 4.125%
HK$133,587
baseline
▲ 0.50% · 4.625%
HK$141,716
+HK$8,129/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$267,174/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,845
−HK$7,555/mo
▼ 0.25% · 3.875%
HK$143,595
−HK$3,805/mo
Today · 4.125%
HK$147,400
baseline
▲ 0.50% · 4.625%
HK$155,170
+HK$7,770/mo
Deposit HK$3.06M · loan HK$27.56M · min. income ≈ HK$294,800/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,618 · Scale 2, in force from 26 Feb 2026)