LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,567
−HK$4,362/mo
▼ 0.25% · 3.875%
HK$71,731
−HK$2,198/mo
Today · 4.125%
HK$73,929
baseline
▲ 0.50% · 4.625%
HK$78,428
+HK$4,499/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$147,858/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,392
−HK$4,181/mo
▼ 0.25% · 3.875%
HK$79,468
−HK$2,105/mo
Today · 4.125%
HK$81,573
baseline
▲ 0.50% · 4.625%
HK$85,873
+HK$4,300/mo
Deposit HK$15.25M · loan HK$15.25M · min. income ≈ HK$163,146/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,480
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,077
−HK$2,638/mo
Today · 4.125%
HK$88,715
baseline
▲ 0.50% · 4.625%
HK$94,113
+HK$5,398/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$177,430/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,871
−HK$5,017/mo
▼ 0.25% · 3.875%
HK$95,361
−HK$2,527/mo
Today · 4.125%
HK$97,888
baseline
▲ 0.50% · 4.625%
HK$103,048
+HK$5,160/mo
Deposit HK$12.20M · loan HK$18.30M · min. income ≈ HK$195,776/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,393
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,423
−HK$3,078/mo
Today · 4.125%
HK$103,501
baseline
▲ 0.50% · 4.625%
HK$109,799
+HK$6,298/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,002/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,349
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,255
−HK$2,948/mo
Today · 4.125%
HK$114,203
baseline
▲ 0.50% · 4.625%
HK$120,223
+HK$6,020/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,406/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,220
−HK$7,852/mo
▼ 0.25% · 3.875%
HK$129,115
−HK$3,957/mo
Today · 4.125%
HK$133,072
baseline
▲ 0.50% · 4.625%
HK$141,170
+HK$8,098/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,144/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,306
−HK$7,526/mo
▼ 0.25% · 3.875%
HK$143,042
−HK$3,790/mo
Today · 4.125%
HK$146,832
baseline
▲ 0.50% · 4.625%
HK$154,572
+HK$7,740/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,664/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,602 · Scale 2, in force from 26 Feb 2026)