LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,880
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,054
−HK$2,209/mo
Today · 4.125%
HK$74,263
baseline
▲ 0.50% · 4.625%
HK$78,781
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,526/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,741
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,826
−HK$2,115/mo
Today · 4.125%
HK$81,941
baseline
▲ 0.50% · 4.625%
HK$86,261
+HK$4,320/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,882/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,857
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$86,465
−HK$2,650/mo
Today · 4.125%
HK$89,115
baseline
▲ 0.50% · 4.625%
HK$94,538
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,230/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,290
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,792
−HK$2,538/mo
Today · 4.125%
HK$98,330
baseline
▲ 0.50% · 4.625%
HK$103,513
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,660/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,833
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,876
−HK$3,092/mo
Today · 4.125%
HK$103,968
baseline
▲ 0.50% · 4.625%
HK$110,294
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,936/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,838
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,757
−HK$2,961/mo
Today · 4.125%
HK$114,718
baseline
▲ 0.50% · 4.625%
HK$120,765
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,436/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,785
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,698
−HK$3,975/mo
Today · 4.125%
HK$133,673
baseline
▲ 0.50% · 4.625%
HK$141,806
+HK$8,133/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,346/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,934
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,687
−HK$3,808/mo
Today · 4.125%
HK$147,495
baseline
▲ 0.50% · 4.625%
HK$155,269
+HK$7,774/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,990/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,451 · Scale 2, in force from 26 Feb 2026)