LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,856
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,029
−HK$2,207/mo
Today · 4.125%
HK$74,236
baseline
▲ 0.50% · 4.625%
HK$78,754
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,472/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,714
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,798
−HK$2,115/mo
Today · 4.125%
HK$81,913
baseline
▲ 0.50% · 4.625%
HK$86,230
+HK$4,317/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,826/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,827
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,435
−HK$2,649/mo
Today · 4.125%
HK$89,084
baseline
▲ 0.50% · 4.625%
HK$94,504
+HK$5,420/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,168/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,257
−HK$5,038/mo
▼ 0.25% · 3.875%
HK$95,758
−HK$2,537/mo
Today · 4.125%
HK$98,295
baseline
▲ 0.50% · 4.625%
HK$103,476
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,590/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,798
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,840
−HK$3,091/mo
Today · 4.125%
HK$103,931
baseline
▲ 0.50% · 4.625%
HK$110,255
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$207,862/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,800
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,718
−HK$2,960/mo
Today · 4.125%
HK$114,678
baseline
▲ 0.50% · 4.625%
HK$120,722
+HK$6,044/mo
Deposit HK$9.19M · loan HK$21.44M · min. income ≈ HK$229,356/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,741
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,652
−HK$3,974/mo
Today · 4.125%
HK$133,626
baseline
▲ 0.50% · 4.625%
HK$141,756
+HK$8,130/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,252/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,885
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,637
−HK$3,806/mo
Today · 4.125%
HK$147,443
baseline
▲ 0.50% · 4.625%
HK$155,215
+HK$7,772/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,886/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,301,992 · Scale 2, in force from 26 Feb 2026)