LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,642
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,809
−HK$2,201/mo
Today · 4.125%
HK$74,010
baseline
▲ 0.50% · 4.625%
HK$78,513
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,020/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,477
−HK$4,185/mo
▼ 0.25% · 3.875%
HK$79,554
−HK$2,108/mo
Today · 4.125%
HK$81,662
baseline
▲ 0.50% · 4.625%
HK$85,967
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,324/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,571
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,171
−HK$2,641/mo
Today · 4.125%
HK$88,812
baseline
▲ 0.50% · 4.625%
HK$94,216
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$177,624/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,972
−HK$5,023/mo
▼ 0.25% · 3.875%
HK$95,465
−HK$2,530/mo
Today · 4.125%
HK$97,995
baseline
▲ 0.50% · 4.625%
HK$103,160
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.32M · min. income ≈ HK$195,990/mo (50% DSR)
Upfront cash ≈ HK$13.51M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,499
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,532
−HK$3,082/mo
Today · 4.125%
HK$103,614
baseline
▲ 0.50% · 4.625%
HK$109,918
+HK$6,304/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,228/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,467
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,376
−HK$2,951/mo
Today · 4.125%
HK$114,327
baseline
▲ 0.50% · 4.625%
HK$120,354
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,654/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,356
−HK$7,861/mo
▼ 0.25% · 3.875%
HK$129,256
−HK$3,961/mo
Today · 4.125%
HK$133,217
baseline
▲ 0.50% · 4.625%
HK$141,323
+HK$8,106/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,434/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,458
−HK$7,534/mo
▼ 0.25% · 3.875%
HK$143,198
−HK$3,794/mo
Today · 4.125%
HK$146,992
baseline
▲ 0.50% · 4.625%
HK$154,740
+HK$7,748/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$293,984/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,015 · Scale 2, in force from 26 Feb 2026)