LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,689
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,857
−HK$2,203/mo
Today · 4.125%
HK$74,060
baseline
▲ 0.50% · 4.625%
HK$78,566
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,120/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,529
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,608
−HK$2,109/mo
Today · 4.125%
HK$81,717
baseline
▲ 0.50% · 4.625%
HK$86,025
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,434/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,627
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,229
−HK$2,642/mo
Today · 4.125%
HK$88,871
baseline
▲ 0.50% · 4.625%
HK$94,279
+HK$5,408/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,742/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,035
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,530
−HK$2,531/mo
Today · 4.125%
HK$98,061
baseline
▲ 0.50% · 4.625%
HK$103,230
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,122/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,565
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,600
−HK$3,083/mo
Today · 4.125%
HK$103,683
baseline
▲ 0.50% · 4.625%
HK$109,992
+HK$6,309/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,366/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,540
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,451
−HK$2,953/mo
Today · 4.125%
HK$114,404
baseline
▲ 0.50% · 4.625%
HK$120,435
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,808/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,441
−HK$7,866/mo
▼ 0.25% · 3.875%
HK$129,343
−HK$3,964/mo
Today · 4.125%
HK$133,307
baseline
▲ 0.50% · 4.625%
HK$141,419
+HK$8,112/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,614/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,552
−HK$7,539/mo
▼ 0.25% · 3.875%
HK$143,295
−HK$3,796/mo
Today · 4.125%
HK$147,091
baseline
▲ 0.50% · 4.625%
HK$154,845
+HK$7,754/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,182/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,890 · Scale 2, in force from 26 Feb 2026)