LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,927
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$72,102
−HK$2,210/mo
Today · 4.125%
HK$74,312
baseline
▲ 0.50% · 4.625%
HK$78,834
+HK$4,522/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$148,624/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,793
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,879
−HK$2,117/mo
Today · 4.125%
HK$81,996
baseline
▲ 0.50% · 4.625%
HK$86,318
+HK$4,322/mo
Deposit HK$15.33M · loan HK$15.33M · min. income ≈ HK$163,992/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,912
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$86,522
−HK$2,652/mo
Today · 4.125%
HK$89,174
baseline
▲ 0.50% · 4.625%
HK$94,600
+HK$5,426/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,348/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,352
−HK$5,043/mo
▼ 0.25% · 3.875%
HK$95,855
−HK$2,540/mo
Today · 4.125%
HK$98,395
baseline
▲ 0.50% · 4.625%
HK$103,582
+HK$5,187/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,790/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,898
−HK$6,139/mo
▼ 0.25% · 3.875%
HK$100,943
−HK$3,094/mo
Today · 4.125%
HK$104,037
baseline
▲ 0.50% · 4.625%
HK$110,367
+HK$6,330/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,074/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,910
−HK$5,884/mo
▼ 0.25% · 3.875%
HK$111,831
−HK$2,963/mo
Today · 4.125%
HK$114,794
baseline
▲ 0.50% · 4.625%
HK$120,845
+HK$6,051/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,588/mo (50% DSR)
Upfront cash ≈ HK$10.50M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,869
−HK$7,893/mo
▼ 0.25% · 3.875%
HK$129,784
−HK$3,978/mo
Today · 4.125%
HK$133,762
baseline
▲ 0.50% · 4.625%
HK$141,901
+HK$8,139/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,524/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,027
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,783
−HK$3,810/mo
Today · 4.125%
HK$147,593
baseline
▲ 0.50% · 4.625%
HK$155,373
+HK$7,780/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,186/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,317 · Scale 2, in force from 26 Feb 2026)