LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,964
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,141
−HK$2,211/mo
Today · 4.125%
HK$74,352
baseline
▲ 0.50% · 4.625%
HK$78,876
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,704/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,835
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,922
−HK$2,118/mo
Today · 4.125%
HK$82,040
baseline
▲ 0.50% · 4.625%
HK$86,364
+HK$4,324/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,080/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,957
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,569
−HK$2,653/mo
Today · 4.125%
HK$89,222
baseline
▲ 0.50% · 4.625%
HK$94,651
+HK$5,429/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,444/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,402
−HK$5,046/mo
▼ 0.25% · 3.875%
HK$95,907
−HK$2,541/mo
Today · 4.125%
HK$98,448
baseline
▲ 0.50% · 4.625%
HK$103,637
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,896/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,950
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,997
−HK$3,096/mo
Today · 4.125%
HK$104,093
baseline
▲ 0.50% · 4.625%
HK$110,426
+HK$6,333/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$208,186/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,969
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,891
−HK$2,965/mo
Today · 4.125%
HK$114,856
baseline
▲ 0.50% · 4.625%
HK$120,910
+HK$6,054/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$229,712/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,936
−HK$7,897/mo
▼ 0.25% · 3.875%
HK$129,853
−HK$3,980/mo
Today · 4.125%
HK$133,833
baseline
▲ 0.50% · 4.625%
HK$141,977
+HK$8,144/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,666/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,103
−HK$7,569/mo
▼ 0.25% · 3.875%
HK$143,860
−HK$3,812/mo
Today · 4.125%
HK$147,672
baseline
▲ 0.50% · 4.625%
HK$155,456
+HK$7,784/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,344/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,016 · Scale 2, in force from 26 Feb 2026)