LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,909
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$72,083
−HK$2,209/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,813
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,773
−HK$4,201/mo
▼ 0.25% · 3.875%
HK$79,858
−HK$2,116/mo
Today · 4.125%
HK$81,974
baseline
▲ 0.50% · 4.625%
HK$86,295
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,948/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,890
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,500
−HK$2,651/mo
Today · 4.125%
HK$89,151
baseline
▲ 0.50% · 4.625%
HK$94,576
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$178,302/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,327
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,830
−HK$2,539/mo
Today · 4.125%
HK$98,369
baseline
▲ 0.50% · 4.625%
HK$103,554
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.39M · min. income ≈ HK$196,738/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,872
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,916
−HK$3,093/mo
Today · 4.125%
HK$104,009
baseline
▲ 0.50% · 4.625%
HK$110,338
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,018/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,882
−HK$5,882/mo
▼ 0.25% · 3.875%
HK$111,802
−HK$2,962/mo
Today · 4.125%
HK$114,764
baseline
▲ 0.50% · 4.625%
HK$120,813
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,528/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,835
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,750
−HK$3,976/mo
Today · 4.125%
HK$133,726
baseline
▲ 0.50% · 4.625%
HK$141,863
+HK$8,137/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,452/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,991
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,745
−HK$3,809/mo
Today · 4.125%
HK$147,554
baseline
▲ 0.50% · 4.625%
HK$155,332
+HK$7,778/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,108/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,974 · Scale 2, in force from 26 Feb 2026)