LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,550
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,714
−HK$2,198/mo
Today · 4.125%
HK$73,912
baseline
▲ 0.50% · 4.625%
HK$78,409
+HK$4,497/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,824/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,374
−HK$4,180/mo
▼ 0.25% · 3.875%
HK$79,449
−HK$2,105/mo
Today · 4.125%
HK$81,554
baseline
▲ 0.50% · 4.625%
HK$85,853
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,108/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,460
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,056
−HK$2,638/mo
Today · 4.125%
HK$88,694
baseline
▲ 0.50% · 4.625%
HK$94,091
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,388/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,849
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,339
−HK$2,526/mo
Today · 4.125%
HK$97,865
baseline
▲ 0.50% · 4.625%
HK$103,024
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,730/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,370
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,399
−HK$3,077/mo
Today · 4.125%
HK$103,476
baseline
▲ 0.50% · 4.625%
HK$109,773
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,952/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,323
−HK$5,853/mo
▼ 0.25% · 3.875%
HK$111,229
−HK$2,947/mo
Today · 4.125%
HK$114,176
baseline
▲ 0.50% · 4.625%
HK$120,194
+HK$6,018/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,352/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,190
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,084
−HK$3,957/mo
Today · 4.125%
HK$133,041
baseline
▲ 0.50% · 4.625%
HK$141,136
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,082/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,273
−HK$7,524/mo
▼ 0.25% · 3.875%
HK$143,008
−HK$3,789/mo
Today · 4.125%
HK$146,797
baseline
▲ 0.50% · 4.625%
HK$154,535
+HK$7,738/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,594/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,294 · Scale 2, in force from 26 Feb 2026)