LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,884
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,058
−HK$2,209/mo
Today · 4.125%
HK$74,267
baseline
▲ 0.50% · 4.625%
HK$78,785
+HK$4,518/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$148,534/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,745
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,831
−HK$2,115/mo
Today · 4.125%
HK$81,946
baseline
▲ 0.50% · 4.625%
HK$86,265
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,892/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,861
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,650/mo
Today · 4.125%
HK$89,120
baseline
▲ 0.50% · 4.625%
HK$94,543
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,240/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,295
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,797
−HK$2,538/mo
Today · 4.125%
HK$98,335
baseline
▲ 0.50% · 4.625%
HK$103,518
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,670/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,838
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,881
−HK$3,092/mo
Today · 4.125%
HK$103,973
baseline
▲ 0.50% · 4.625%
HK$110,300
+HK$6,327/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,946/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,844
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,763
−HK$2,961/mo
Today · 4.125%
HK$114,724
baseline
▲ 0.50% · 4.625%
HK$120,771
+HK$6,047/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,448/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,792
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,704
−HK$3,976/mo
Today · 4.125%
HK$133,680
baseline
▲ 0.50% · 4.625%
HK$141,814
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,360/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,942
−HK$7,560/mo
▼ 0.25% · 3.875%
HK$143,695
−HK$3,807/mo
Today · 4.125%
HK$147,502
baseline
▲ 0.50% · 4.625%
HK$155,277
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$295,004/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,520 · Scale 2, in force from 26 Feb 2026)