LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,533
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,696
−HK$2,197/mo
Today · 4.125%
HK$73,893
baseline
▲ 0.50% · 4.625%
HK$78,389
+HK$4,496/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,786/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,355
−HK$4,179/mo
▼ 0.25% · 3.875%
HK$79,429
−HK$2,105/mo
Today · 4.125%
HK$81,534
baseline
▲ 0.50% · 4.625%
HK$85,832
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,068/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,439
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,637/mo
Today · 4.125%
HK$88,672
baseline
▲ 0.50% · 4.625%
HK$94,067
+HK$5,395/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,344/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,825
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,315
−HK$2,526/mo
Today · 4.125%
HK$97,841
baseline
▲ 0.50% · 4.625%
HK$102,998
+HK$5,157/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,682/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,346
−HK$6,104/mo
▼ 0.25% · 3.875%
HK$100,374
−HK$3,076/mo
Today · 4.125%
HK$103,450
baseline
▲ 0.50% · 4.625%
HK$109,745
+HK$6,295/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,900/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,296
−HK$5,851/mo
▼ 0.25% · 3.875%
HK$111,201
−HK$2,946/mo
Today · 4.125%
HK$114,147
baseline
▲ 0.50% · 4.625%
HK$120,164
+HK$6,017/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,294/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,159
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,052
−HK$3,956/mo
Today · 4.125%
HK$133,008
baseline
▲ 0.50% · 4.625%
HK$141,101
+HK$8,093/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$266,016/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,238
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,972
−HK$3,789/mo
Today · 4.125%
HK$146,761
baseline
▲ 0.50% · 4.625%
HK$154,497
+HK$7,736/mo
Deposit HK$3.05M · loan HK$27.44M · min. income ≈ HK$293,522/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,295,970 · Scale 2, in force from 26 Feb 2026)