LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,494
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,656
−HK$2,196/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$78,346
+HK$4,494/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,311
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,385
−HK$2,103/mo
Today · 4.125%
HK$81,488
baseline
▲ 0.50% · 4.625%
HK$85,784
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,976/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,393
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,987
−HK$2,635/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$94,015
+HK$5,393/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,244/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,774
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,262
−HK$2,524/mo
Today · 4.125%
HK$97,786
baseline
▲ 0.50% · 4.625%
HK$102,940
+HK$5,154/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,572/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,292
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,318
−HK$3,075/mo
Today · 4.125%
HK$103,393
baseline
▲ 0.50% · 4.625%
HK$109,684
+HK$6,291/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,786/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,236
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,139
−HK$2,945/mo
Today · 4.125%
HK$114,084
baseline
▲ 0.50% · 4.625%
HK$120,097
+HK$6,013/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,168/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,089
−HK$7,845/mo
▼ 0.25% · 3.875%
HK$128,980
−HK$3,954/mo
Today · 4.125%
HK$132,934
baseline
▲ 0.50% · 4.625%
HK$141,022
+HK$8,088/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,868/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,161
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$142,893
−HK$3,786/mo
Today · 4.125%
HK$146,679
baseline
▲ 0.50% · 4.625%
HK$154,411
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,358/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,249 · Scale 2, in force from 26 Feb 2026)