LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,549
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,712
−HK$2,198/mo
Today · 4.125%
HK$73,910
baseline
▲ 0.50% · 4.625%
HK$78,408
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,820/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,372
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,448
−HK$2,105/mo
Today · 4.125%
HK$81,553
baseline
▲ 0.50% · 4.625%
HK$85,851
+HK$4,298/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,106/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,459
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$86,055
−HK$2,637/mo
Today · 4.125%
HK$88,692
baseline
▲ 0.50% · 4.625%
HK$94,089
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,384/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,847
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,337
−HK$2,526/mo
Today · 4.125%
HK$97,863
baseline
▲ 0.50% · 4.625%
HK$103,022
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,726/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,368
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,397
−HK$3,077/mo
Today · 4.125%
HK$103,474
baseline
▲ 0.50% · 4.625%
HK$109,771
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,948/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,321
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,227
−HK$2,947/mo
Today · 4.125%
HK$114,174
baseline
▲ 0.50% · 4.625%
HK$120,192
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,348/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,188
−HK$7,850/mo
▼ 0.25% · 3.875%
HK$129,082
−HK$3,956/mo
Today · 4.125%
HK$133,038
baseline
▲ 0.50% · 4.625%
HK$141,134
+HK$8,096/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,076/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,270
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,006
−HK$3,789/mo
Today · 4.125%
HK$146,795
baseline
▲ 0.50% · 4.625%
HK$154,533
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,590/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,271 · Scale 2, in force from 26 Feb 2026)