LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,910
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$72,084
−HK$2,210/mo
Today · 4.125%
HK$74,294
baseline
▲ 0.50% · 4.625%
HK$78,814
+HK$4,520/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,588/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,774
−HK$4,202/mo
▼ 0.25% · 3.875%
HK$79,860
−HK$2,116/mo
Today · 4.125%
HK$81,976
baseline
▲ 0.50% · 4.625%
HK$86,297
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,952/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,892
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$86,501
−HK$2,651/mo
Today · 4.125%
HK$89,152
baseline
▲ 0.50% · 4.625%
HK$94,577
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$178,304/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,329
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,832
−HK$2,539/mo
Today · 4.125%
HK$98,371
baseline
▲ 0.50% · 4.625%
HK$103,556
+HK$5,185/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$196,742/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,874
−HK$6,137/mo
▼ 0.25% · 3.875%
HK$100,918
−HK$3,093/mo
Today · 4.125%
HK$104,011
baseline
▲ 0.50% · 4.625%
HK$110,340
+HK$6,329/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,022/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,883
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,804
−HK$2,962/mo
Today · 4.125%
HK$114,766
baseline
▲ 0.50% · 4.625%
HK$120,815
+HK$6,049/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,532/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,837
−HK$7,892/mo
▼ 0.25% · 3.875%
HK$129,752
−HK$3,977/mo
Today · 4.125%
HK$133,729
baseline
▲ 0.50% · 4.625%
HK$141,866
+HK$8,137/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$267,458/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,993
−HK$7,563/mo
▼ 0.25% · 3.875%
HK$143,747
−HK$3,809/mo
Today · 4.125%
HK$147,556
baseline
▲ 0.50% · 4.625%
HK$155,334
+HK$7,778/mo
Deposit HK$3.07M · loan HK$27.59M · min. income ≈ HK$295,112/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,302,995 · Scale 2, in force from 26 Feb 2026)