LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,468
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,629
−HK$2,195/mo
Today · 4.125%
HK$73,824
baseline
▲ 0.50% · 4.625%
HK$78,317
+HK$4,493/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,648/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,283
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,355
−HK$2,103/mo
Today · 4.125%
HK$81,458
baseline
▲ 0.50% · 4.625%
HK$85,752
+HK$4,294/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,916/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,362
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,955
−HK$2,634/mo
Today · 4.125%
HK$88,589
baseline
▲ 0.50% · 4.625%
HK$93,980
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,178/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,739
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,226
−HK$2,524/mo
Today · 4.125%
HK$97,750
baseline
▲ 0.50% · 4.625%
HK$102,902
+HK$5,152/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,500/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,256
−HK$6,098/mo
▼ 0.25% · 3.875%
HK$100,281
−HK$3,073/mo
Today · 4.125%
HK$103,354
baseline
▲ 0.50% · 4.625%
HK$109,643
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,708/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,196
−HK$5,845/mo
▼ 0.25% · 3.875%
HK$111,098
−HK$2,943/mo
Today · 4.125%
HK$114,041
baseline
▲ 0.50% · 4.625%
HK$120,053
+HK$6,012/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,082/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,043
−HK$7,841/mo
▼ 0.25% · 3.875%
HK$128,932
−HK$3,952/mo
Today · 4.125%
HK$132,884
baseline
▲ 0.50% · 4.625%
HK$140,970
+HK$8,086/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,768/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,109
−HK$7,515/mo
▼ 0.25% · 3.875%
HK$142,840
−HK$3,784/mo
Today · 4.125%
HK$146,624
baseline
▲ 0.50% · 4.625%
HK$154,353
+HK$7,729/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,248/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,767 · Scale 2, in force from 26 Feb 2026)