LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,682
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,850
−HK$2,202/mo
Today · 4.125%
HK$74,052
baseline
▲ 0.50% · 4.625%
HK$78,558
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,104/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,521
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,600
−HK$2,109/mo
Today · 4.125%
HK$81,709
baseline
▲ 0.50% · 4.625%
HK$86,016
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,418/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,619
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,220
−HK$2,643/mo
Today · 4.125%
HK$88,863
baseline
▲ 0.50% · 4.625%
HK$94,270
+HK$5,407/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,726/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,025
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,520
−HK$2,531/mo
Today · 4.125%
HK$98,051
baseline
▲ 0.50% · 4.625%
HK$103,220
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,102/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,555
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,590
−HK$3,083/mo
Today · 4.125%
HK$103,673
baseline
▲ 0.50% · 4.625%
HK$109,981
+HK$6,308/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,346/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,529
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,440
−HK$2,953/mo
Today · 4.125%
HK$114,393
baseline
▲ 0.50% · 4.625%
HK$120,423
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,786/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,428
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,330
−HK$3,964/mo
Today · 4.125%
HK$133,294
baseline
▲ 0.50% · 4.625%
HK$141,405
+HK$8,111/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,588/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,538
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,280
−HK$3,797/mo
Today · 4.125%
HK$147,077
baseline
▲ 0.50% · 4.625%
HK$154,829
+HK$7,752/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,154/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,760 · Scale 2, in force from 26 Feb 2026)