LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,470
−HK$4,356/mo
▼ 0.25% · 3.875%
HK$71,631
−HK$2,195/mo
Today · 4.125%
HK$73,826
baseline
▲ 0.50% · 4.625%
HK$78,318
+HK$4,492/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,652/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,284
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,357
−HK$2,103/mo
Today · 4.125%
HK$81,460
baseline
▲ 0.50% · 4.625%
HK$85,754
+HK$4,294/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,920/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,364
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$85,957
−HK$2,634/mo
Today · 4.125%
HK$88,591
baseline
▲ 0.50% · 4.625%
HK$93,982
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,182/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,741
−HK$5,011/mo
▼ 0.25% · 3.875%
HK$95,229
−HK$2,523/mo
Today · 4.125%
HK$97,752
baseline
▲ 0.50% · 4.625%
HK$102,904
+HK$5,152/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,504/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,258
−HK$6,099/mo
▼ 0.25% · 3.875%
HK$100,283
−HK$3,074/mo
Today · 4.125%
HK$103,357
baseline
▲ 0.50% · 4.625%
HK$109,646
+HK$6,289/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,714/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,198
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,100
−HK$2,944/mo
Today · 4.125%
HK$114,044
baseline
▲ 0.50% · 4.625%
HK$120,055
+HK$6,011/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,088/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,045
−HK$7,842/mo
▼ 0.25% · 3.875%
HK$128,935
−HK$3,952/mo
Today · 4.125%
HK$132,887
baseline
▲ 0.50% · 4.625%
HK$140,973
+HK$8,086/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,774/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,112
−HK$7,516/mo
▼ 0.25% · 3.875%
HK$142,843
−HK$3,785/mo
Today · 4.125%
HK$146,628
baseline
▲ 0.50% · 4.625%
HK$154,357
+HK$7,729/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,256/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,795 · Scale 2, in force from 26 Feb 2026)