LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,547
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,710
−HK$2,198/mo
Today · 4.125%
HK$73,908
baseline
▲ 0.50% · 4.625%
HK$78,405
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,816/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,370
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,445
−HK$2,105/mo
Today · 4.125%
HK$81,550
baseline
▲ 0.50% · 4.625%
HK$85,848
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,100/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,456
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,052
−HK$2,637/mo
Today · 4.125%
HK$88,689
baseline
▲ 0.50% · 4.625%
HK$94,086
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,378/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,844
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,334
−HK$2,526/mo
Today · 4.125%
HK$97,860
baseline
▲ 0.50% · 4.625%
HK$103,018
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,720/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,365
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,394
−HK$3,077/mo
Today · 4.125%
HK$103,471
baseline
▲ 0.50% · 4.625%
HK$109,767
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,942/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,318
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,223
−HK$2,947/mo
Today · 4.125%
HK$114,170
baseline
▲ 0.50% · 4.625%
HK$120,188
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,340/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,184
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,078
−HK$3,956/mo
Today · 4.125%
HK$133,034
baseline
▲ 0.50% · 4.625%
HK$141,129
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,068/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,266
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,001
−HK$3,789/mo
Today · 4.125%
HK$146,790
baseline
▲ 0.50% · 4.625%
HK$154,527
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,580/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,226 · Scale 2, in force from 26 Feb 2026)