LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,966
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$2,211/mo
Today · 4.125%
HK$74,353
baseline
▲ 0.50% · 4.625%
HK$78,877
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,706/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,836
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,924
−HK$2,117/mo
Today · 4.125%
HK$82,041
baseline
▲ 0.50% · 4.625%
HK$86,366
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,082/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,959
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,571
−HK$2,653/mo
Today · 4.125%
HK$89,224
baseline
▲ 0.50% · 4.625%
HK$94,653
+HK$5,429/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,448/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,403
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,908
−HK$2,542/mo
Today · 4.125%
HK$98,450
baseline
▲ 0.50% · 4.625%
HK$103,639
+HK$5,189/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,900/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,952
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$100,999
−HK$3,096/mo
Today · 4.125%
HK$104,095
baseline
▲ 0.50% · 4.625%
HK$110,428
+HK$6,333/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$208,190/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,971
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,893
−HK$2,965/mo
Today · 4.125%
HK$114,858
baseline
▲ 0.50% · 4.625%
HK$120,912
+HK$6,054/mo
Deposit HK$9.20M · loan HK$21.48M · min. income ≈ HK$229,716/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,938
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,856
−HK$3,980/mo
Today · 4.125%
HK$133,836
baseline
▲ 0.50% · 4.625%
HK$141,979
+HK$8,143/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$267,672/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,105
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,863
−HK$3,812/mo
Today · 4.125%
HK$147,675
baseline
▲ 0.50% · 4.625%
HK$155,459
+HK$7,784/mo
Deposit HK$3.07M · loan HK$27.61M · min. income ≈ HK$295,350/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,040 · Scale 2, in force from 26 Feb 2026)