LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,848
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$2,208/mo
Today · 4.125%
HK$74,228
baseline
▲ 0.50% · 4.625%
HK$78,744
+HK$4,516/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,456/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,705
−HK$4,198/mo
▼ 0.25% · 3.875%
HK$79,789
−HK$2,114/mo
Today · 4.125%
HK$81,903
baseline
▲ 0.50% · 4.625%
HK$86,220
+HK$4,317/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,806/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,817
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$86,424
−HK$2,649/mo
Today · 4.125%
HK$89,073
baseline
▲ 0.50% · 4.625%
HK$94,493
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,146/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,246
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,747
−HK$2,537/mo
Today · 4.125%
HK$98,284
baseline
▲ 0.50% · 4.625%
HK$103,464
+HK$5,180/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,568/mo (50% DSR)
Upfront cash ≈ HK$13.55M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,787
−HK$6,132/mo
▼ 0.25% · 3.875%
HK$100,829
−HK$3,090/mo
Today · 4.125%
HK$103,919
baseline
▲ 0.50% · 4.625%
HK$110,242
+HK$6,323/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,838/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,787
−HK$5,877/mo
▼ 0.25% · 3.875%
HK$111,704
−HK$2,960/mo
Today · 4.125%
HK$114,664
baseline
▲ 0.50% · 4.625%
HK$120,708
+HK$6,044/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,328/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,726
−HK$7,884/mo
▼ 0.25% · 3.875%
HK$129,637
−HK$3,973/mo
Today · 4.125%
HK$133,610
baseline
▲ 0.50% · 4.625%
HK$141,740
+HK$8,130/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,220/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,869
−HK$7,556/mo
▼ 0.25% · 3.875%
HK$143,620
−HK$3,805/mo
Today · 4.125%
HK$147,425
baseline
▲ 0.50% · 4.625%
HK$155,196
+HK$7,771/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,850/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,301,840 · Scale 2, in force from 26 Feb 2026)