LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,688
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,856
−HK$2,202/mo
Today · 4.125%
HK$74,058
baseline
▲ 0.50% · 4.625%
HK$78,564
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,116/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,527
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,606
−HK$2,110/mo
Today · 4.125%
HK$81,716
baseline
▲ 0.50% · 4.625%
HK$86,023
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,432/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,625
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,227
−HK$2,643/mo
Today · 4.125%
HK$88,870
baseline
▲ 0.50% · 4.625%
HK$94,277
+HK$5,407/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,740/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,033
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,528
−HK$2,531/mo
Today · 4.125%
HK$98,059
baseline
▲ 0.50% · 4.625%
HK$103,228
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,118/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,563
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,598
−HK$3,083/mo
Today · 4.125%
HK$103,681
baseline
▲ 0.50% · 4.625%
HK$109,990
+HK$6,309/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,362/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,538
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,449
−HK$2,953/mo
Today · 4.125%
HK$114,402
baseline
▲ 0.50% · 4.625%
HK$120,432
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,804/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,438
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,340
−HK$3,964/mo
Today · 4.125%
HK$133,304
baseline
▲ 0.50% · 4.625%
HK$141,416
+HK$8,112/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,608/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,549
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,291
−HK$3,797/mo
Today · 4.125%
HK$147,088
baseline
▲ 0.50% · 4.625%
HK$154,841
+HK$7,753/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,176/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,861 · Scale 2, in force from 26 Feb 2026)