LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,480
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,641
−HK$2,196/mo
Today · 4.125%
HK$73,837
baseline
▲ 0.50% · 4.625%
HK$78,330
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,674/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,296
−HK$4,176/mo
▼ 0.25% · 3.875%
HK$79,369
−HK$2,103/mo
Today · 4.125%
HK$81,472
baseline
▲ 0.50% · 4.625%
HK$85,767
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,944/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,376
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,970
−HK$2,635/mo
Today · 4.125%
HK$88,605
baseline
▲ 0.50% · 4.625%
HK$93,996
+HK$5,391/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,210/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,755
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,243
−HK$2,524/mo
Today · 4.125%
HK$97,767
baseline
▲ 0.50% · 4.625%
HK$102,920
+HK$5,153/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,534/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,272
−HK$6,100/mo
▼ 0.25% · 3.875%
HK$100,298
−HK$3,074/mo
Today · 4.125%
HK$103,372
baseline
▲ 0.50% · 4.625%
HK$109,662
+HK$6,290/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,744/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,215
−HK$5,846/mo
▼ 0.25% · 3.875%
HK$111,117
−HK$2,944/mo
Today · 4.125%
HK$114,061
baseline
▲ 0.50% · 4.625%
HK$120,073
+HK$6,012/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,122/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,064
−HK$7,843/mo
▼ 0.25% · 3.875%
HK$128,955
−HK$3,952/mo
Today · 4.125%
HK$132,907
baseline
▲ 0.50% · 4.625%
HK$140,994
+HK$8,087/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$265,814/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,133
−HK$7,517/mo
▼ 0.25% · 3.875%
HK$142,864
−HK$3,786/mo
Today · 4.125%
HK$146,650
baseline
▲ 0.50% · 4.625%
HK$154,380
+HK$7,730/mo
Deposit HK$3.05M · loan HK$27.42M · min. income ≈ HK$293,300/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,991 · Scale 2, in force from 26 Feb 2026)