LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,905
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$2,209/mo
Today · 4.125%
HK$74,289
baseline
▲ 0.50% · 4.625%
HK$78,809
+HK$4,520/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,578/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,854
−HK$2,116/mo
Today · 4.125%
HK$81,970
baseline
▲ 0.50% · 4.625%
HK$86,291
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,940/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,886
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,495
−HK$2,651/mo
Today · 4.125%
HK$89,146
baseline
▲ 0.50% · 4.625%
HK$94,571
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,292/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,322
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,825
−HK$2,539/mo
Today · 4.125%
HK$98,364
baseline
▲ 0.50% · 4.625%
HK$103,549
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,728/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,867
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,911
−HK$3,093/mo
Today · 4.125%
HK$104,004
baseline
▲ 0.50% · 4.625%
HK$110,333
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,008/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,876
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,796
−HK$2,962/mo
Today · 4.125%
HK$114,758
baseline
▲ 0.50% · 4.625%
HK$120,807
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,516/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,829
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,743
−HK$3,977/mo
Today · 4.125%
HK$133,720
baseline
▲ 0.50% · 4.625%
HK$141,856
+HK$8,136/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,440/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,984
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,738
−HK$3,809/mo
Today · 4.125%
HK$147,547
baseline
▲ 0.50% · 4.625%
HK$155,324
+HK$7,777/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,094/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,909 · Scale 2, in force from 26 Feb 2026)