LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,858
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,031
−HK$2,207/mo
Today · 4.125%
HK$74,238
baseline
▲ 0.50% · 4.625%
HK$78,756
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,476/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,716
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,800
−HK$2,115/mo
Today · 4.125%
HK$81,915
baseline
▲ 0.50% · 4.625%
HK$86,233
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,830/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,829
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,437
−HK$2,649/mo
Today · 4.125%
HK$89,086
baseline
▲ 0.50% · 4.625%
HK$94,507
+HK$5,421/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,172/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,259
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,760
−HK$2,538/mo
Today · 4.125%
HK$98,298
baseline
▲ 0.50% · 4.625%
HK$103,479
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,596/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,801
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,843
−HK$3,091/mo
Today · 4.125%
HK$103,934
baseline
▲ 0.50% · 4.625%
HK$110,258
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,868/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,802
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,720
−HK$2,961/mo
Today · 4.125%
HK$114,681
baseline
▲ 0.50% · 4.625%
HK$120,726
+HK$6,045/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,362/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,744
−HK$7,885/mo
▼ 0.25% · 3.875%
HK$129,655
−HK$3,974/mo
Today · 4.125%
HK$133,629
baseline
▲ 0.50% · 4.625%
HK$141,760
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,258/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,889
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,641
−HK$3,806/mo
Today · 4.125%
HK$147,447
baseline
▲ 0.50% · 4.625%
HK$155,219
+HK$7,772/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,894/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,026 · Scale 2, in force from 26 Feb 2026)