LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,875
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$72,048
−HK$2,208/mo
Today · 4.125%
HK$74,256
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,512/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,735
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,820
−HK$2,115/mo
Today · 4.125%
HK$81,935
baseline
▲ 0.50% · 4.625%
HK$86,253
+HK$4,318/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,870/mo (50% DSR)
Upfront cash ≈ HK$16.62M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,850
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,458
−HK$2,650/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$94,530
+HK$5,422/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,282
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,784
−HK$2,538/mo
Today · 4.125%
HK$98,322
baseline
▲ 0.50% · 4.625%
HK$103,504
+HK$5,182/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,644/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,824
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,867
−HK$3,092/mo
Today · 4.125%
HK$103,959
baseline
▲ 0.50% · 4.625%
HK$110,285
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,918/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,829
−HK$5,879/mo
▼ 0.25% · 3.875%
HK$111,747
−HK$2,961/mo
Today · 4.125%
HK$114,708
baseline
▲ 0.50% · 4.625%
HK$120,755
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,416/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,774
−HK$7,887/mo
▼ 0.25% · 3.875%
HK$129,687
−HK$3,974/mo
Today · 4.125%
HK$133,661
baseline
▲ 0.50% · 4.625%
HK$141,794
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,322/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,923
−HK$7,559/mo
▼ 0.25% · 3.875%
HK$143,675
−HK$3,807/mo
Today · 4.125%
HK$147,482
baseline
▲ 0.50% · 4.625%
HK$155,256
+HK$7,774/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,964/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,342 · Scale 2, in force from 26 Feb 2026)