LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,873
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,047
−HK$2,208/mo
Today · 4.125%
HK$74,255
baseline
▲ 0.50% · 4.625%
HK$78,773
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,510/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,733
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,818
−HK$2,115/mo
Today · 4.125%
HK$81,933
baseline
▲ 0.50% · 4.625%
HK$86,252
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,866/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,848
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,456
−HK$2,650/mo
Today · 4.125%
HK$89,106
baseline
▲ 0.50% · 4.625%
HK$94,528
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,212/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,280
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,782
−HK$2,538/mo
Today · 4.125%
HK$98,320
baseline
▲ 0.50% · 4.625%
HK$103,502
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,640/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,823
−HK$6,134/mo
▼ 0.25% · 3.875%
HK$100,866
−HK$3,091/mo
Today · 4.125%
HK$103,957
baseline
▲ 0.50% · 4.625%
HK$110,283
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,914/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,827
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,745
−HK$2,961/mo
Today · 4.125%
HK$114,706
baseline
▲ 0.50% · 4.625%
HK$120,753
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,412/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,772
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,684
−HK$3,975/mo
Today · 4.125%
HK$133,659
baseline
▲ 0.50% · 4.625%
HK$141,792
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,318/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,920
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,673
−HK$3,807/mo
Today · 4.125%
HK$147,480
baseline
▲ 0.50% · 4.625%
HK$155,253
+HK$7,773/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,960/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,318 · Scale 2, in force from 26 Feb 2026)