LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,953
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,129
−HK$2,211/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,863
+HK$4,523/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,680/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,822
−HK$4,204/mo
▼ 0.25% · 3.875%
HK$79,909
−HK$2,117/mo
Today · 4.125%
HK$82,026
baseline
▲ 0.50% · 4.625%
HK$86,350
+HK$4,324/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,052/mo (50% DSR)
Upfront cash ≈ HK$16.64M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,944
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$86,555
−HK$2,653/mo
Today · 4.125%
HK$89,208
baseline
▲ 0.50% · 4.625%
HK$94,636
+HK$5,428/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,416/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,386
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,891
−HK$2,541/mo
Today · 4.125%
HK$98,432
baseline
▲ 0.50% · 4.625%
HK$103,620
+HK$5,188/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,864/mo (50% DSR)
Upfront cash ≈ HK$13.57M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,934
−HK$6,141/mo
▼ 0.25% · 3.875%
HK$100,980
−HK$3,095/mo
Today · 4.125%
HK$104,075
baseline
▲ 0.50% · 4.625%
HK$110,408
+HK$6,333/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$208,150/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,951
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$111,873
−HK$2,964/mo
Today · 4.125%
HK$114,837
baseline
▲ 0.50% · 4.625%
HK$120,890
+HK$6,053/mo
Deposit HK$9.20M · loan HK$21.47M · min. income ≈ HK$229,674/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,915
−HK$7,896/mo
▼ 0.25% · 3.875%
HK$129,832
−HK$3,979/mo
Today · 4.125%
HK$133,811
baseline
▲ 0.50% · 4.625%
HK$141,953
+HK$8,142/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,622/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,079
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,836
−HK$3,812/mo
Today · 4.125%
HK$147,648
baseline
▲ 0.50% · 4.625%
HK$155,430
+HK$7,782/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,296/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,303,801 · Scale 2, in force from 26 Feb 2026)