LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,885
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$2,208/mo
Today · 4.125%
HK$74,267
baseline
▲ 0.50% · 4.625%
HK$78,786
+HK$4,519/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$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,746
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,831
−HK$2,116/mo
Today · 4.125%
HK$81,947
baseline
▲ 0.50% · 4.625%
HK$86,266
+HK$4,319/mo
Deposit HK$15.32M · loan HK$15.32M · min. income ≈ HK$163,894/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,862
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$86,470
−HK$2,651/mo
Today · 4.125%
HK$89,121
baseline
▲ 0.50% · 4.625%
HK$94,544
+HK$5,423/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,242/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,296
−HK$5,040/mo
▼ 0.25% · 3.875%
HK$95,798
−HK$2,538/mo
Today · 4.125%
HK$98,336
baseline
▲ 0.50% · 4.625%
HK$103,519
+HK$5,183/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,672/mo (50% DSR)
Upfront cash ≈ HK$13.56M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,839
−HK$6,135/mo
▼ 0.25% · 3.875%
HK$100,882
−HK$3,092/mo
Today · 4.125%
HK$103,974
baseline
▲ 0.50% · 4.625%
HK$110,301
+HK$6,327/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$207,948/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,845
−HK$5,880/mo
▼ 0.25% · 3.875%
HK$111,764
−HK$2,961/mo
Today · 4.125%
HK$114,725
baseline
▲ 0.50% · 4.625%
HK$120,773
+HK$6,048/mo
Deposit HK$9.19M · loan HK$21.45M · min. income ≈ HK$229,450/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,793
−HK$7,888/mo
▼ 0.25% · 3.875%
HK$129,706
−HK$3,975/mo
Today · 4.125%
HK$133,681
baseline
▲ 0.50% · 4.625%
HK$141,815
+HK$8,134/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$267,362/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,943
−HK$7,561/mo
▼ 0.25% · 3.875%
HK$143,696
−HK$3,808/mo
Today · 4.125%
HK$147,504
baseline
▲ 0.50% · 4.625%
HK$155,279
+HK$7,775/mo
Deposit HK$3.06M · loan HK$27.58M · min. income ≈ HK$295,008/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,533 · Scale 2, in force from 26 Feb 2026)