LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,436
−HK$4,354/mo
▼ 0.25% · 3.875%
HK$71,596
−HK$2,194/mo
Today · 4.125%
HK$73,790
baseline
▲ 0.50% · 4.625%
HK$78,280
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,580/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,247
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,319
−HK$2,101/mo
Today · 4.125%
HK$81,420
baseline
▲ 0.50% · 4.625%
HK$85,712
+HK$4,292/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,840/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,323
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,915
−HK$2,633/mo
Today · 4.125%
HK$88,548
baseline
▲ 0.50% · 4.625%
HK$93,936
+HK$5,388/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,096/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,696
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,182
−HK$2,522/mo
Today · 4.125%
HK$97,704
baseline
▲ 0.50% · 4.625%
HK$102,854
+HK$5,150/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,408/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,210
−HK$6,096/mo
▼ 0.25% · 3.875%
HK$100,234
−HK$3,072/mo
Today · 4.125%
HK$103,306
baseline
▲ 0.50% · 4.625%
HK$109,592
+HK$6,286/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,612/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,146
−HK$5,842/mo
▼ 0.25% · 3.875%
HK$111,046
−HK$2,942/mo
Today · 4.125%
HK$113,988
baseline
▲ 0.50% · 4.625%
HK$119,997
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$227,976/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,985
−HK$7,837/mo
▼ 0.25% · 3.875%
HK$128,873
−HK$3,949/mo
Today · 4.125%
HK$132,822
baseline
▲ 0.50% · 4.625%
HK$140,904
+HK$8,082/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,644/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,044
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,773
−HK$3,784/mo
Today · 4.125%
HK$146,557
baseline
▲ 0.50% · 4.625%
HK$154,282
+HK$7,725/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,114/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,167 · Scale 2, in force from 26 Feb 2026)