LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,579
−HK$4,363/mo
▼ 0.25% · 3.875%
HK$71,743
−HK$2,199/mo
Today · 4.125%
HK$73,942
baseline
▲ 0.50% · 4.625%
HK$78,442
+HK$4,500/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$147,884/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,406
−HK$4,182/mo
▼ 0.25% · 3.875%
HK$79,482
−HK$2,106/mo
Today · 4.125%
HK$81,588
baseline
▲ 0.50% · 4.625%
HK$85,889
+HK$4,301/mo
Deposit HK$15.26M · loan HK$15.26M · min. income ≈ HK$163,176/mo (50% DSR)
Upfront cash ≈ HK$16.55M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,495
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$86,092
−HK$2,639/mo
Today · 4.125%
HK$88,731
baseline
▲ 0.50% · 4.625%
HK$94,130
+HK$5,399/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$177,462/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,887
−HK$5,019/mo
▼ 0.25% · 3.875%
HK$95,379
−HK$2,527/mo
Today · 4.125%
HK$97,906
baseline
▲ 0.50% · 4.625%
HK$103,067
+HK$5,161/mo
Deposit HK$12.21M · loan HK$18.31M · min. income ≈ HK$195,812/mo (50% DSR)
Upfront cash ≈ HK$13.50M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,411
−HK$6,108/mo
▼ 0.25% · 3.875%
HK$100,441
−HK$3,078/mo
Today · 4.125%
HK$103,519
baseline
▲ 0.50% · 4.625%
HK$109,818
+HK$6,299/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$207,038/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,369
−HK$5,854/mo
▼ 0.25% · 3.875%
HK$111,275
−HK$2,948/mo
Today · 4.125%
HK$114,223
baseline
▲ 0.50% · 4.625%
HK$120,244
+HK$6,021/mo
Deposit HK$9.15M · loan HK$21.36M · min. income ≈ HK$228,446/mo (50% DSR)
Upfront cash ≈ HK$10.45M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,243
−HK$7,853/mo
▼ 0.25% · 3.875%
HK$129,138
−HK$3,958/mo
Today · 4.125%
HK$133,096
baseline
▲ 0.50% · 4.625%
HK$141,195
+HK$8,099/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$266,192/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,331
−HK$7,528/mo
▼ 0.25% · 3.875%
HK$143,068
−HK$3,791/mo
Today · 4.125%
HK$146,859
baseline
▲ 0.50% · 4.625%
HK$154,600
+HK$7,741/mo
Deposit HK$3.05M · loan HK$27.46M · min. income ≈ HK$293,718/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,296,835 · Scale 2, in force from 26 Feb 2026)