LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,690
−HK$4,370/mo
▼ 0.25% · 3.875%
HK$71,858
−HK$2,202/mo
Today · 4.125%
HK$74,060
baseline
▲ 0.50% · 4.625%
HK$78,567
+HK$4,507/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$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,530
−HK$4,188/mo
▼ 0.25% · 3.875%
HK$79,609
−HK$2,109/mo
Today · 4.125%
HK$81,718
baseline
▲ 0.50% · 4.625%
HK$86,026
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,436/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,628
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,230
−HK$2,642/mo
Today · 4.125%
HK$88,872
baseline
▲ 0.50% · 4.625%
HK$94,280
+HK$5,408/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$177,744/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,036
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,531
−HK$2,531/mo
Today · 4.125%
HK$98,062
baseline
▲ 0.50% · 4.625%
HK$103,231
+HK$5,169/mo
Deposit HK$12.22M · loan HK$18.34M · min. income ≈ HK$196,124/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,566
−HK$6,119/mo
▼ 0.25% · 3.875%
HK$100,601
−HK$3,084/mo
Today · 4.125%
HK$103,685
baseline
▲ 0.50% · 4.625%
HK$109,993
+HK$6,308/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,370/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,541
−HK$5,865/mo
▼ 0.25% · 3.875%
HK$111,453
−HK$2,953/mo
Today · 4.125%
HK$114,406
baseline
▲ 0.50% · 4.625%
HK$120,436
+HK$6,030/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,812/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,442
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$129,344
−HK$3,965/mo
Today · 4.125%
HK$133,309
baseline
▲ 0.50% · 4.625%
HK$141,420
+HK$8,111/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,618/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,553
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,296
−HK$3,797/mo
Today · 4.125%
HK$147,093
baseline
▲ 0.50% · 4.625%
HK$154,846
+HK$7,753/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,186/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,904 · Scale 2, in force from 26 Feb 2026)