LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,548
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$2,198/mo
Today · 4.125%
HK$73,909
baseline
▲ 0.50% · 4.625%
HK$78,406
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,818/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,371
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,446
−HK$2,106/mo
Today · 4.125%
HK$81,552
baseline
▲ 0.50% · 4.625%
HK$85,850
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,104/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,458
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,054
−HK$2,637/mo
Today · 4.125%
HK$88,691
baseline
▲ 0.50% · 4.625%
HK$94,088
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,382/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,846
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,336
−HK$2,526/mo
Today · 4.125%
HK$97,862
baseline
▲ 0.50% · 4.625%
HK$103,020
+HK$5,158/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,724/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,367
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,396
−HK$3,077/mo
Today · 4.125%
HK$103,473
baseline
▲ 0.50% · 4.625%
HK$109,769
+HK$6,296/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,946/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,320
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,225
−HK$2,947/mo
Today · 4.125%
HK$114,172
baseline
▲ 0.50% · 4.625%
HK$120,190
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,344/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,186
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,080
−HK$3,957/mo
Today · 4.125%
HK$133,037
baseline
▲ 0.50% · 4.625%
HK$141,132
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,074/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,268
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,004
−HK$3,789/mo
Today · 4.125%
HK$146,793
baseline
▲ 0.50% · 4.625%
HK$154,530
+HK$7,737/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,586/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,252 · Scale 2, in force from 26 Feb 2026)