LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,869
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,042
−HK$2,208/mo
Today · 4.125%
HK$74,250
baseline
▲ 0.50% · 4.625%
HK$78,768
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,500/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,728
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,813
−HK$2,115/mo
Today · 4.125%
HK$81,928
baseline
▲ 0.50% · 4.625%
HK$86,246
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,856/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,842
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,450
−HK$2,650/mo
Today · 4.125%
HK$89,100
baseline
▲ 0.50% · 4.625%
HK$94,522
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,200/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,274
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,775
−HK$2,538/mo
Today · 4.125%
HK$98,313
baseline
▲ 0.50% · 4.625%
HK$103,495
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,626/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,816
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,859
−HK$3,091/mo
Today · 4.125%
HK$103,950
baseline
▲ 0.50% · 4.625%
HK$110,275
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,900/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,820
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,738
−HK$2,961/mo
Today · 4.125%
HK$114,699
baseline
▲ 0.50% · 4.625%
HK$120,745
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,398/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,764
−HK$7,886/mo
▼ 0.25% · 3.875%
HK$129,676
−HK$3,974/mo
Today · 4.125%
HK$133,650
baseline
▲ 0.50% · 4.625%
HK$141,782
+HK$8,132/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,300/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,911
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,663
−HK$3,807/mo
Today · 4.125%
HK$147,470
baseline
▲ 0.50% · 4.625%
HK$155,243
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,940/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,231 · Scale 2, in force from 26 Feb 2026)