LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,944
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$72,120
−HK$2,210/mo
Today · 4.125%
HK$74,330
baseline
▲ 0.50% · 4.625%
HK$78,853
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,660/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,812
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,899
−HK$2,117/mo
Today · 4.125%
HK$82,016
baseline
▲ 0.50% · 4.625%
HK$86,339
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,032/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,933
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,544
−HK$2,652/mo
Today · 4.125%
HK$89,196
baseline
▲ 0.50% · 4.625%
HK$94,624
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,392/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,375
−HK$5,044/mo
▼ 0.25% · 3.875%
HK$95,879
−HK$2,540/mo
Today · 4.125%
HK$98,419
baseline
▲ 0.50% · 4.625%
HK$103,607
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,838/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,922
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,968
−HK$3,094/mo
Today · 4.125%
HK$104,062
baseline
▲ 0.50% · 4.625%
HK$110,394
+HK$6,332/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,124/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,937
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,859
−HK$2,964/mo
Today · 4.125%
HK$114,823
baseline
▲ 0.50% · 4.625%
HK$120,875
+HK$6,052/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,646/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,900
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,816
−HK$3,979/mo
Today · 4.125%
HK$133,795
baseline
▲ 0.50% · 4.625%
HK$141,936
+HK$8,141/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,590/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,062
−HK$7,567/mo
▼ 0.25% · 3.875%
HK$143,818
−HK$3,811/mo
Today · 4.125%
HK$147,629
baseline
▲ 0.50% · 4.625%
HK$155,411
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,258/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,638 · Scale 2, in force from 26 Feb 2026)