LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,945
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,121
−HK$2,211/mo
Today · 4.125%
HK$74,332
baseline
▲ 0.50% · 4.625%
HK$78,855
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,664/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,814
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,901
−HK$2,117/mo
Today · 4.125%
HK$82,018
baseline
▲ 0.50% · 4.625%
HK$86,341
+HK$4,323/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,036/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,935
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$86,545
−HK$2,653/mo
Today · 4.125%
HK$89,198
baseline
▲ 0.50% · 4.625%
HK$94,625
+HK$5,427/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$178,396/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,376
−HK$5,045/mo
▼ 0.25% · 3.875%
HK$95,881
−HK$2,540/mo
Today · 4.125%
HK$98,421
baseline
▲ 0.50% · 4.625%
HK$103,609
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.40M · min. income ≈ HK$196,842/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,924
−HK$6,140/mo
▼ 0.25% · 3.875%
HK$100,970
−HK$3,094/mo
Today · 4.125%
HK$104,064
baseline
▲ 0.50% · 4.625%
HK$110,396
+HK$6,332/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,128/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,939
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,861
−HK$2,964/mo
Today · 4.125%
HK$114,825
baseline
▲ 0.50% · 4.625%
HK$120,877
+HK$6,052/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,650/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,902
−HK$7,895/mo
▼ 0.25% · 3.875%
HK$129,818
−HK$3,979/mo
Today · 4.125%
HK$133,797
baseline
▲ 0.50% · 4.625%
HK$141,938
+HK$8,141/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,594/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,064
−HK$7,568/mo
▼ 0.25% · 3.875%
HK$143,821
−HK$3,811/mo
Today · 4.125%
HK$147,632
baseline
▲ 0.50% · 4.625%
HK$155,414
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,264/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,661 · Scale 2, in force from 26 Feb 2026)