LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,555
−HK$4,361/mo
▼ 0.25% · 3.875%
HK$71,718
−HK$2,198/mo
Today · 4.125%
HK$73,916
baseline
▲ 0.50% · 4.625%
HK$78,414
+HK$4,498/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,832/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,379
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,454
−HK$2,106/mo
Today · 4.125%
HK$81,560
baseline
▲ 0.50% · 4.625%
HK$85,859
+HK$4,299/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,120/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,466
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$86,062
−HK$2,638/mo
Today · 4.125%
HK$88,700
baseline
▲ 0.50% · 4.625%
HK$94,097
+HK$5,397/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,400/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,855
−HK$5,016/mo
▼ 0.25% · 3.875%
HK$95,345
−HK$2,526/mo
Today · 4.125%
HK$97,871
baseline
▲ 0.50% · 4.625%
HK$103,030
+HK$5,159/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,742/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,377
−HK$6,106/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$3,077/mo
Today · 4.125%
HK$103,483
baseline
▲ 0.50% · 4.625%
HK$109,780
+HK$6,297/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$206,966/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,331
−HK$5,852/mo
▼ 0.25% · 3.875%
HK$111,236
−HK$2,947/mo
Today · 4.125%
HK$114,183
baseline
▲ 0.50% · 4.625%
HK$120,202
+HK$6,019/mo
Deposit HK$9.15M · loan HK$21.35M · min. income ≈ HK$228,366/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,199
−HK$7,851/mo
▼ 0.25% · 3.875%
HK$129,093
−HK$3,957/mo
Today · 4.125%
HK$133,050
baseline
▲ 0.50% · 4.625%
HK$141,145
+HK$8,095/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$266,100/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,282
−HK$7,525/mo
▼ 0.25% · 3.875%
HK$143,018
−HK$3,789/mo
Today · 4.125%
HK$146,807
baseline
▲ 0.50% · 4.625%
HK$154,546
+HK$7,739/mo
Deposit HK$3.05M · loan HK$27.45M · min. income ≈ HK$293,614/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,380 · Scale 2, in force from 26 Feb 2026)