LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,652
−HK$4,367/mo
▼ 0.25% · 3.875%
HK$71,818
−HK$2,201/mo
Today · 4.125%
HK$74,019
baseline
▲ 0.50% · 4.625%
HK$78,523
+HK$4,504/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$148,038/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,487
−HK$4,186/mo
▼ 0.25% · 3.875%
HK$79,565
−HK$2,108/mo
Today · 4.125%
HK$81,673
baseline
▲ 0.50% · 4.625%
HK$85,978
+HK$4,305/mo
Deposit HK$15.27M · loan HK$15.27M · min. income ≈ HK$163,346/mo (50% DSR)
Upfront cash ≈ HK$16.57M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,582
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$86,182
−HK$2,641/mo
Today · 4.125%
HK$88,823
baseline
▲ 0.50% · 4.625%
HK$94,228
+HK$5,405/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,646/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,984
−HK$5,024/mo
▼ 0.25% · 3.875%
HK$95,478
−HK$2,530/mo
Today · 4.125%
HK$98,008
baseline
▲ 0.50% · 4.625%
HK$103,174
+HK$5,166/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,016/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,512
−HK$6,115/mo
▼ 0.25% · 3.875%
HK$100,545
−HK$3,082/mo
Today · 4.125%
HK$103,627
baseline
▲ 0.50% · 4.625%
HK$109,933
+HK$6,306/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$207,254/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,481
−HK$5,861/mo
▼ 0.25% · 3.875%
HK$111,391
−HK$2,951/mo
Today · 4.125%
HK$114,342
baseline
▲ 0.50% · 4.625%
HK$120,369
+HK$6,027/mo
Deposit HK$9.16M · loan HK$21.38M · min. income ≈ HK$228,684/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,373
−HK$7,862/mo
▼ 0.25% · 3.875%
HK$129,273
−HK$3,962/mo
Today · 4.125%
HK$133,235
baseline
▲ 0.50% · 4.625%
HK$141,342
+HK$8,107/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$266,470/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,476
−HK$7,536/mo
▼ 0.25% · 3.875%
HK$143,217
−HK$3,795/mo
Today · 4.125%
HK$147,012
baseline
▲ 0.50% · 4.625%
HK$154,761
+HK$7,749/mo
Deposit HK$3.05M · loan HK$27.49M · min. income ≈ HK$294,024/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,185 · Scale 2, in force from 26 Feb 2026)