LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,861
−HK$4,380/mo
▼ 0.25% · 3.875%
HK$72,034
−HK$2,207/mo
Today · 4.125%
HK$74,241
baseline
▲ 0.50% · 4.625%
HK$78,759
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,482/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,719
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,804
−HK$2,114/mo
Today · 4.125%
HK$81,918
baseline
▲ 0.50% · 4.625%
HK$86,236
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,836/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,833
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$86,440
−HK$2,650/mo
Today · 4.125%
HK$89,090
baseline
▲ 0.50% · 4.625%
HK$94,511
+HK$5,421/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$178,180/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,263
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,764
−HK$2,538/mo
Today · 4.125%
HK$98,302
baseline
▲ 0.50% · 4.625%
HK$103,483
+HK$5,181/mo
Deposit HK$12.25M · loan HK$18.38M · min. income ≈ HK$196,604/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,805
−HK$6,133/mo
▼ 0.25% · 3.875%
HK$100,847
−HK$3,091/mo
Today · 4.125%
HK$103,938
baseline
▲ 0.50% · 4.625%
HK$110,262
+HK$6,324/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,876/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,807
−HK$5,878/mo
▼ 0.25% · 3.875%
HK$111,725
−HK$2,960/mo
Today · 4.125%
HK$114,685
baseline
▲ 0.50% · 4.625%
HK$120,730
+HK$6,045/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,370/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,749
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,660
−HK$3,975/mo
Today · 4.125%
HK$133,635
baseline
▲ 0.50% · 4.625%
HK$141,766
+HK$8,131/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$267,270/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,894
−HK$7,558/mo
▼ 0.25% · 3.875%
HK$143,646
−HK$3,806/mo
Today · 4.125%
HK$147,452
baseline
▲ 0.50% · 4.625%
HK$155,225
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.57M · min. income ≈ HK$294,904/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,079 · Scale 2, in force from 26 Feb 2026)