LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,883
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,056
−HK$2,209/mo
Today · 4.125%
HK$74,265
baseline
▲ 0.50% · 4.625%
HK$78,784
+HK$4,519/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,530/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,744
−HK$4,200/mo
▼ 0.25% · 3.875%
HK$79,829
−HK$2,115/mo
Today · 4.125%
HK$81,944
baseline
▲ 0.50% · 4.625%
HK$86,263
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,888/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,859
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,468
−HK$2,650/mo
Today · 4.125%
HK$89,118
baseline
▲ 0.50% · 4.625%
HK$94,541
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,236/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,293
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,795
−HK$2,538/mo
Today · 4.125%
HK$98,333
baseline
▲ 0.50% · 4.625%
HK$103,516
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,666/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,836
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,879
−HK$3,092/mo
Today · 4.125%
HK$103,971
baseline
▲ 0.50% · 4.625%
HK$110,297
+HK$6,326/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,942/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,841
−HK$5,881/mo
▼ 0.25% · 3.875%
HK$111,760
−HK$2,962/mo
Today · 4.125%
HK$114,722
baseline
▲ 0.50% · 4.625%
HK$120,769
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,444/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,789
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,702
−HK$3,975/mo
Today · 4.125%
HK$133,677
baseline
▲ 0.50% · 4.625%
HK$141,811
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,354/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,939
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,692
−HK$3,807/mo
Today · 4.125%
HK$147,499
baseline
▲ 0.50% · 4.625%
HK$155,274
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$294,998/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,492 · Scale 2, in force from 26 Feb 2026)