LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,906
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,080
−HK$2,209/mo
Today · 4.125%
HK$74,289
baseline
▲ 0.50% · 4.625%
HK$78,810
+HK$4,521/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$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,769
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,855
−HK$2,116/mo
Today · 4.125%
HK$81,971
baseline
▲ 0.50% · 4.625%
HK$86,292
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,942/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,887
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,496
−HK$2,651/mo
Today · 4.125%
HK$89,147
baseline
▲ 0.50% · 4.625%
HK$94,572
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,294/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,323
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,826
−HK$2,539/mo
Today · 4.125%
HK$98,365
baseline
▲ 0.50% · 4.625%
HK$103,550
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,730/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,868
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,912
−HK$3,093/mo
Today · 4.125%
HK$104,005
baseline
▲ 0.50% · 4.625%
HK$110,334
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,010/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,877
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,797
−HK$2,963/mo
Today · 4.125%
HK$114,760
baseline
▲ 0.50% · 4.625%
HK$120,809
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,520/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,830
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,744
−HK$3,977/mo
Today · 4.125%
HK$133,721
baseline
▲ 0.50% · 4.625%
HK$141,858
+HK$8,137/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,442/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,985
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,739
−HK$3,809/mo
Today · 4.125%
HK$147,548
baseline
▲ 0.50% · 4.625%
HK$155,325
+HK$7,777/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,096/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,921 · Scale 2, in force from 26 Feb 2026)