LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,648
−HK$4,368/mo
▼ 0.25% · 3.875%
HK$71,814
−HK$2,202/mo
Today · 4.125%
HK$74,016
baseline
▲ 0.50% · 4.625%
HK$78,519
+HK$4,503/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,032/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,483
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,561
−HK$2,108/mo
Today · 4.125%
HK$81,669
baseline
▲ 0.50% · 4.625%
HK$85,974
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,338/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,578
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,177
−HK$2,642/mo
Today · 4.125%
HK$88,819
baseline
▲ 0.50% · 4.625%
HK$94,223
+HK$5,404/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,638/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,979
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,473
−HK$2,530/mo
Today · 4.125%
HK$98,003
baseline
▲ 0.50% · 4.625%
HK$103,168
+HK$5,165/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,006/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,507
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,540
−HK$3,082/mo
Today · 4.125%
HK$103,622
baseline
▲ 0.50% · 4.625%
HK$109,927
+HK$6,305/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,244/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,476
−HK$5,860/mo
▼ 0.25% · 3.875%
HK$111,385
−HK$2,951/mo
Today · 4.125%
HK$114,336
baseline
▲ 0.50% · 4.625%
HK$120,363
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,672/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,366
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,266
−HK$3,962/mo
Today · 4.125%
HK$133,228
baseline
▲ 0.50% · 4.625%
HK$141,335
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,456/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,469
−HK$7,535/mo
▼ 0.25% · 3.875%
HK$143,209
−HK$3,795/mo
Today · 4.125%
HK$147,004
baseline
▲ 0.50% · 4.625%
HK$154,753
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,008/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,117 · Scale 2, in force from 26 Feb 2026)