LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,942
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,118
−HK$2,210/mo
Today · 4.125%
HK$74,328
baseline
▲ 0.50% · 4.625%
HK$78,851
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,656/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,810
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,897
−HK$2,117/mo
Today · 4.125%
HK$82,014
baseline
▲ 0.50% · 4.625%
HK$86,337
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,028/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,930
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,541
−HK$2,652/mo
Today · 4.125%
HK$89,193
baseline
▲ 0.50% · 4.625%
HK$94,621
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,386/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,372
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,876
−HK$2,540/mo
Today · 4.125%
HK$98,416
baseline
▲ 0.50% · 4.625%
HK$103,604
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,832/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,919
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,965
−HK$3,094/mo
Today · 4.125%
HK$104,059
baseline
▲ 0.50% · 4.625%
HK$110,391
+HK$6,332/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,118/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,934
−HK$5,885/mo
▼ 0.25% · 3.875%
HK$111,855
−HK$2,964/mo
Today · 4.125%
HK$114,819
baseline
▲ 0.50% · 4.625%
HK$120,871
+HK$6,052/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,638/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,895
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,812
−HK$3,978/mo
Today · 4.125%
HK$133,790
baseline
▲ 0.50% · 4.625%
HK$141,931
+HK$8,141/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,580/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,057
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,814
−HK$3,810/mo
Today · 4.125%
HK$147,624
baseline
▲ 0.50% · 4.625%
HK$155,406
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,248/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,596 · Scale 2, in force from 26 Feb 2026)