LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,469
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,630
−HK$2,195/mo
Today · 4.125%
HK$73,825
baseline
▲ 0.50% · 4.625%
HK$78,317
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,650/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,284
−HK$4,175/mo
▼ 0.25% · 3.875%
HK$79,356
−HK$2,103/mo
Today · 4.125%
HK$81,459
baseline
▲ 0.50% · 4.625%
HK$85,753
+HK$4,294/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,918/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,363
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,956
−HK$2,634/mo
Today · 4.125%
HK$88,590
baseline
▲ 0.50% · 4.625%
HK$93,981
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,180/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,740
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,228
−HK$2,523/mo
Today · 4.125%
HK$97,751
baseline
▲ 0.50% · 4.625%
HK$102,903
+HK$5,152/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,502/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,257
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,282
−HK$3,074/mo
Today · 4.125%
HK$103,356
baseline
▲ 0.50% · 4.625%
HK$109,644
+HK$6,288/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,712/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,197
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,099
−HK$2,944/mo
Today · 4.125%
HK$114,043
baseline
▲ 0.50% · 4.625%
HK$120,054
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,086/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,044
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,934
−HK$3,952/mo
Today · 4.125%
HK$132,886
baseline
▲ 0.50% · 4.625%
HK$140,971
+HK$8,085/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,772/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,110
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,841
−HK$3,785/mo
Today · 4.125%
HK$146,626
baseline
▲ 0.50% · 4.625%
HK$154,355
+HK$7,729/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,252/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,782 · Scale 2, in force from 26 Feb 2026)