LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,672
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,840
−HK$2,201/mo
Today · 4.125%
HK$74,041
baseline
▲ 0.50% · 4.625%
HK$78,547
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,082/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,510
−HK$4,187/mo
▼ 0.25% · 3.875%
HK$79,589
−HK$2,108/mo
Today · 4.125%
HK$81,697
baseline
▲ 0.50% · 4.625%
HK$86,004
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,394/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,607
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,207
−HK$2,643/mo
Today · 4.125%
HK$88,850
baseline
▲ 0.50% · 4.625%
HK$94,256
+HK$5,406/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,700/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,012
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,506
−HK$2,531/mo
Today · 4.125%
HK$98,037
baseline
▲ 0.50% · 4.625%
HK$103,205
+HK$5,168/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,074/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,541
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,575
−HK$3,083/mo
Today · 4.125%
HK$103,658
baseline
▲ 0.50% · 4.625%
HK$109,965
+HK$6,307/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,316/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,514
−HK$5,862/mo
▼ 0.25% · 3.875%
HK$111,424
−HK$2,952/mo
Today · 4.125%
HK$114,376
baseline
▲ 0.50% · 4.625%
HK$120,405
+HK$6,029/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,752/mo (50% DSR)
Upfront cash ≈ HK$10.46M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,410
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,311
−HK$3,964/mo
Today · 4.125%
HK$133,275
baseline
▲ 0.50% · 4.625%
HK$141,384
+HK$8,109/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,550/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,518
−HK$7,537/mo
▼ 0.25% · 3.875%
HK$143,259
−HK$3,796/mo
Today · 4.125%
HK$147,055
baseline
▲ 0.50% · 4.625%
HK$154,807
+HK$7,752/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,110/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,572 · Scale 2, in force from 26 Feb 2026)