LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,683
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,851
−HK$2,202/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$78,559
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,522
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,601
−HK$2,109/mo
Today · 4.125%
HK$81,710
baseline
▲ 0.50% · 4.625%
HK$86,017
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,420/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,620
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,221
−HK$2,643/mo
Today · 4.125%
HK$88,864
baseline
▲ 0.50% · 4.625%
HK$94,271
+HK$5,407/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,728/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,026
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,521
−HK$2,531/mo
Today · 4.125%
HK$98,052
baseline
▲ 0.50% · 4.625%
HK$103,221
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,104/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,557
−HK$6,117/mo
▼ 0.25% · 3.875%
HK$100,591
−HK$3,083/mo
Today · 4.125%
HK$103,674
baseline
▲ 0.50% · 4.625%
HK$109,983
+HK$6,309/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,348/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,531
−HK$5,863/mo
▼ 0.25% · 3.875%
HK$111,441
−HK$2,953/mo
Today · 4.125%
HK$114,394
baseline
▲ 0.50% · 4.625%
HK$120,424
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,788/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,430
−HK$7,865/mo
▼ 0.25% · 3.875%
HK$129,331
−HK$3,964/mo
Today · 4.125%
HK$133,295
baseline
▲ 0.50% · 4.625%
HK$141,406
+HK$8,111/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$266,590/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,539
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,282
−HK$3,796/mo
Today · 4.125%
HK$147,078
baseline
▲ 0.50% · 4.625%
HK$154,831
+HK$7,753/mo
Deposit HK$3.06M · loan HK$27.50M · min. income ≈ HK$294,156/mo (50% DSR)
Upfront cash ≈ HK$4.35M (deposit + AVD stamp duty HK$1,298,775 · Scale 2, in force from 26 Feb 2026)