LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,916
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,091
−HK$2,210/mo
Today · 4.125%
HK$74,301
baseline
▲ 0.50% · 4.625%
HK$78,822
+HK$4,521/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,602/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,781
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,867
−HK$2,117/mo
Today · 4.125%
HK$81,984
baseline
▲ 0.50% · 4.625%
HK$86,305
+HK$4,321/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,968/mo (50% DSR)
Upfront cash ≈ HK$16.63M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,900
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$86,509
−HK$2,652/mo
Today · 4.125%
HK$89,161
baseline
▲ 0.50% · 4.625%
HK$94,586
+HK$5,425/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$178,322/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,338
−HK$5,042/mo
▼ 0.25% · 3.875%
HK$95,841
−HK$2,539/mo
Today · 4.125%
HK$98,380
baseline
▲ 0.50% · 4.625%
HK$103,566
+HK$5,186/mo
Deposit HK$12.26M · loan HK$18.40M · min. income ≈ HK$196,760/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,883
−HK$6,138/mo
▼ 0.25% · 3.875%
HK$100,928
−HK$3,093/mo
Today · 4.125%
HK$104,021
baseline
▲ 0.50% · 4.625%
HK$110,351
+HK$6,330/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$208,042/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,894
−HK$5,883/mo
▼ 0.25% · 3.875%
HK$111,814
−HK$2,963/mo
Today · 4.125%
HK$114,777
baseline
▲ 0.50% · 4.625%
HK$120,827
+HK$6,050/mo
Deposit HK$9.20M · loan HK$21.46M · min. income ≈ HK$229,554/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,850
−HK$7,891/mo
▼ 0.25% · 3.875%
HK$129,764
−HK$3,977/mo
Today · 4.125%
HK$133,741
baseline
▲ 0.50% · 4.625%
HK$141,879
+HK$8,138/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,482/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,006
−HK$7,565/mo
▼ 0.25% · 3.875%
HK$143,761
−HK$3,810/mo
Today · 4.125%
HK$147,571
baseline
▲ 0.50% · 4.625%
HK$155,349
+HK$7,778/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,142/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,121 · Scale 2, in force from 26 Feb 2026)