LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,873
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,046
−HK$2,208/mo
Today · 4.125%
HK$74,254
baseline
▲ 0.50% · 4.625%
HK$78,772
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,508/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,733
−HK$4,199/mo
▼ 0.25% · 3.875%
HK$79,817
−HK$2,115/mo
Today · 4.125%
HK$81,932
baseline
▲ 0.50% · 4.625%
HK$86,251
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,864/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,847
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,650/mo
Today · 4.125%
HK$89,105
baseline
▲ 0.50% · 4.625%
HK$94,527
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,210/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,279
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,781
−HK$2,538/mo
Today · 4.125%
HK$98,319
baseline
▲ 0.50% · 4.625%
HK$103,501
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,638/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,822
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,864
−HK$3,092/mo
Today · 4.125%
HK$103,956
baseline
▲ 0.50% · 4.625%
HK$110,281
+HK$6,325/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,912/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,826
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,744
−HK$2,961/mo
Today · 4.125%
HK$114,705
baseline
▲ 0.50% · 4.625%
HK$120,751
+HK$6,046/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,410/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,771
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,683
−HK$3,975/mo
Today · 4.125%
HK$133,658
baseline
▲ 0.50% · 4.625%
HK$141,790
+HK$8,132/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,316/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,919
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,671
−HK$3,807/mo
Today · 4.125%
HK$147,478
baseline
▲ 0.50% · 4.625%
HK$155,252
+HK$7,774/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,956/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,303 · Scale 2, in force from 26 Feb 2026)