LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,575
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,739
−HK$2,199/mo
Today · 4.125%
HK$73,938
baseline
▲ 0.50% · 4.625%
HK$78,437
+HK$4,499/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,876/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,401
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,477
−HK$2,106/mo
Today · 4.125%
HK$81,583
baseline
▲ 0.50% · 4.625%
HK$85,883
+HK$4,300/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,166/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,490
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$86,087
−HK$2,638/mo
Today · 4.125%
HK$88,725
baseline
▲ 0.50% · 4.625%
HK$94,124
+HK$5,399/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$177,450/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,881
−HK$5,018/mo
▼ 0.25% · 3.875%
HK$95,372
−HK$2,527/mo
Today · 4.125%
HK$97,899
baseline
▲ 0.50% · 4.625%
HK$103,060
+HK$5,161/mo
Deposit HK$12.20M · loan HK$18.31M · min. income ≈ HK$195,798/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,405
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,434
−HK$3,079/mo
Today · 4.125%
HK$103,513
baseline
▲ 0.50% · 4.625%
HK$109,811
+HK$6,298/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,026/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,362
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,268
−HK$2,948/mo
Today · 4.125%
HK$114,216
baseline
▲ 0.50% · 4.625%
HK$120,236
+HK$6,020/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,432/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,234
−HK$7,854/mo
▼ 0.25% · 3.875%
HK$129,130
−HK$3,958/mo
Today · 4.125%
HK$133,088
baseline
▲ 0.50% · 4.625%
HK$141,186
+HK$8,098/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,176/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,322
−HK$7,527/mo
▼ 0.25% · 3.875%
HK$143,059
−HK$3,790/mo
Today · 4.125%
HK$146,849
baseline
▲ 0.50% · 4.625%
HK$154,590
+HK$7,741/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,698/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,751 · Scale 2, in force from 26 Feb 2026)