LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,870
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,044
−HK$2,208/mo
Today · 4.125%
HK$74,252
baseline
▲ 0.50% · 4.625%
HK$78,770
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,504/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,730
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,815
−HK$2,114/mo
Today · 4.125%
HK$81,929
baseline
▲ 0.50% · 4.625%
HK$86,248
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,858/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,844
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,452
−HK$2,650/mo
Today · 4.125%
HK$89,102
baseline
▲ 0.50% · 4.625%
HK$94,524
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$178,204/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,276
−HK$5,039/mo
▼ 0.25% · 3.875%
HK$95,778
−HK$2,537/mo
Today · 4.125%
HK$98,315
baseline
▲ 0.50% · 4.625%
HK$103,498
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.38M · min. income ≈ HK$196,630/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,818
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,861
−HK$3,091/mo
Today · 4.125%
HK$103,952
baseline
▲ 0.50% · 4.625%
HK$110,278
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,904/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,822
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,740
−HK$2,961/mo
Today · 4.125%
HK$114,701
baseline
▲ 0.50% · 4.625%
HK$120,747
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,402/mo (50% DSR)
Upfront cash ≈ HK$10.49M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,766
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,678
−HK$3,975/mo
Today · 4.125%
HK$133,653
baseline
▲ 0.50% · 4.625%
HK$141,786
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,306/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,914
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,666
−HK$3,807/mo
Today · 4.125%
HK$147,473
baseline
▲ 0.50% · 4.625%
HK$155,246
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,946/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,259 · Scale 2, in force from 26 Feb 2026)