LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,541
−HK$4,360/mo
▼ 0.25% · 3.875%
HK$71,704
−HK$2,197/mo
Today · 4.125%
HK$73,901
baseline
▲ 0.50% · 4.625%
HK$78,398
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,802/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,363
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,438
−HK$2,105/mo
Today · 4.125%
HK$81,543
baseline
▲ 0.50% · 4.625%
HK$85,841
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,086/mo (50% DSR)
Upfront cash ≈ HK$16.54M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,449
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,044
−HK$2,638/mo
Today · 4.125%
HK$88,682
baseline
▲ 0.50% · 4.625%
HK$94,078
+HK$5,396/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,364/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,836
−HK$5,015/mo
▼ 0.25% · 3.875%
HK$95,326
−HK$2,525/mo
Today · 4.125%
HK$97,851
baseline
▲ 0.50% · 4.625%
HK$103,009
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,702/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,357
−HK$6,105/mo
▼ 0.25% · 3.875%
HK$100,385
−HK$3,077/mo
Today · 4.125%
HK$103,462
baseline
▲ 0.50% · 4.625%
HK$109,757
+HK$6,295/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,924/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,308
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,213
−HK$2,947/mo
Today · 4.125%
HK$114,160
baseline
▲ 0.50% · 4.625%
HK$120,178
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,320/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,173
−HK$7,849/mo
▼ 0.25% · 3.875%
HK$129,067
−HK$3,955/mo
Today · 4.125%
HK$133,022
baseline
▲ 0.50% · 4.625%
HK$141,117
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,044/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,254
−HK$7,523/mo
▼ 0.25% · 3.875%
HK$142,988
−HK$3,789/mo
Today · 4.125%
HK$146,777
baseline
▲ 0.50% · 4.625%
HK$154,514
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,554/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,115 · Scale 2, in force from 26 Feb 2026)