LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,939
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,115
−HK$2,210/mo
Today · 4.125%
HK$74,325
baseline
▲ 0.50% · 4.625%
HK$78,847
+HK$4,522/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,650/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,807
−HK$4,203/mo
▼ 0.25% · 3.875%
HK$79,893
−HK$2,117/mo
Today · 4.125%
HK$82,010
baseline
▲ 0.50% · 4.625%
HK$86,333
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,020/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,927
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,538
−HK$2,652/mo
Today · 4.125%
HK$89,190
baseline
▲ 0.50% · 4.625%
HK$94,617
+HK$5,427/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,380/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,368
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,872
−HK$2,540/mo
Today · 4.125%
HK$98,412
baseline
▲ 0.50% · 4.625%
HK$103,600
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,824/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,915
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,961
−HK$3,094/mo
Today · 4.125%
HK$104,055
baseline
▲ 0.50% · 4.625%
HK$110,386
+HK$6,331/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,110/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,929
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,851
−HK$2,963/mo
Today · 4.125%
HK$114,814
baseline
▲ 0.50% · 4.625%
HK$120,866
+HK$6,052/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,628/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,890
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,806
−HK$3,979/mo
Today · 4.125%
HK$133,785
baseline
▲ 0.50% · 4.625%
HK$141,925
+HK$8,140/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$267,570/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,052
−HK$7,566/mo
▼ 0.25% · 3.875%
HK$143,808
−HK$3,810/mo
Today · 4.125%
HK$147,618
baseline
▲ 0.50% · 4.625%
HK$155,400
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.60M · min. income ≈ HK$295,236/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,544 · Scale 2, in force from 26 Feb 2026)