LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,971
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,147
−HK$2,212/mo
Today · 4.125%
HK$74,359
baseline
▲ 0.50% · 4.625%
HK$78,883
+HK$4,524/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$148,718/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,842
−HK$4,205/mo
▼ 0.25% · 3.875%
HK$79,930
−HK$2,117/mo
Today · 4.125%
HK$82,047
baseline
▲ 0.50% · 4.625%
HK$86,372
+HK$4,325/mo
Deposit HK$15.34M · loan HK$15.34M · min. income ≈ HK$164,094/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,965
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$86,577
−HK$2,653/mo
Today · 4.125%
HK$89,230
baseline
▲ 0.50% · 4.625%
HK$94,660
+HK$5,430/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$178,460/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,410
−HK$5,047/mo
▼ 0.25% · 3.875%
HK$95,915
−HK$2,542/mo
Today · 4.125%
HK$98,457
baseline
▲ 0.50% · 4.625%
HK$103,647
+HK$5,190/mo
Deposit HK$12.27M · loan HK$18.41M · min. income ≈ HK$196,914/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,959
−HK$6,143/mo
▼ 0.25% · 3.875%
HK$101,006
−HK$3,096/mo
Today · 4.125%
HK$104,102
baseline
▲ 0.50% · 4.625%
HK$110,436
+HK$6,334/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,204/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,979
−HK$5,887/mo
▼ 0.25% · 3.875%
HK$111,901
−HK$2,965/mo
Today · 4.125%
HK$114,866
baseline
▲ 0.50% · 4.625%
HK$120,921
+HK$6,055/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,732/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,948
−HK$7,898/mo
▼ 0.25% · 3.875%
HK$129,865
−HK$3,981/mo
Today · 4.125%
HK$133,846
baseline
▲ 0.50% · 4.625%
HK$141,990
+HK$8,144/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,692/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,115
−HK$7,570/mo
▼ 0.25% · 3.875%
HK$143,873
−HK$3,812/mo
Today · 4.125%
HK$147,685
baseline
▲ 0.50% · 4.625%
HK$155,470
+HK$7,785/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,370/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,135 · Scale 2, in force from 26 Feb 2026)