LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,675
−HK$4,369/mo
▼ 0.25% · 3.875%
HK$71,842
−HK$2,202/mo
Today · 4.125%
HK$74,044
baseline
▲ 0.50% · 4.625%
HK$78,549
+HK$4,505/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,088/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,512
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,591
−HK$2,109/mo
Today · 4.125%
HK$81,700
baseline
▲ 0.50% · 4.625%
HK$86,006
+HK$4,306/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,400/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,609
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$86,210
−HK$2,642/mo
Today · 4.125%
HK$88,852
baseline
▲ 0.50% · 4.625%
HK$94,259
+HK$5,407/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$177,704/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,015
−HK$5,025/mo
▼ 0.25% · 3.875%
HK$95,509
−HK$2,531/mo
Today · 4.125%
HK$98,040
baseline
▲ 0.50% · 4.625%
HK$103,208
+HK$5,168/mo
Deposit HK$12.22M · loan HK$18.33M · min. income ≈ HK$196,080/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,544
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,579
−HK$3,082/mo
Today · 4.125%
HK$103,661
baseline
▲ 0.50% · 4.625%
HK$109,969
+HK$6,308/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,322/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,517
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,427
−HK$2,953/mo
Today · 4.125%
HK$114,380
baseline
▲ 0.50% · 4.625%
HK$120,409
+HK$6,029/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,760/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,414
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,315
−HK$3,964/mo
Today · 4.125%
HK$133,279
baseline
▲ 0.50% · 4.625%
HK$141,388
+HK$8,109/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,558/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,522
−HK$7,538/mo
▼ 0.25% · 3.875%
HK$143,264
−HK$3,796/mo
Today · 4.125%
HK$147,060
baseline
▲ 0.50% · 4.625%
HK$154,812
+HK$7,752/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,120/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,612 · Scale 2, in force from 26 Feb 2026)