LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,691
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,859
−HK$2,203/mo
Today · 4.125%
HK$74,062
baseline
▲ 0.50% · 4.625%
HK$78,568
+HK$4,506/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,124/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,531
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$79,610
−HK$2,110/mo
Today · 4.125%
HK$81,720
baseline
▲ 0.50% · 4.625%
HK$86,027
+HK$4,307/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,440/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,630
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$86,231
−HK$2,643/mo
Today · 4.125%
HK$88,874
baseline
▲ 0.50% · 4.625%
HK$94,282
+HK$5,408/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,748/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,037
−HK$5,026/mo
▼ 0.25% · 3.875%
HK$95,532
−HK$2,531/mo
Today · 4.125%
HK$98,063
baseline
▲ 0.50% · 4.625%
HK$103,233
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,126/mo (50% DSR)
Upfront cash ≈ HK$13.52M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,568
−HK$6,118/mo
▼ 0.25% · 3.875%
HK$100,603
−HK$3,083/mo
Today · 4.125%
HK$103,686
baseline
▲ 0.50% · 4.625%
HK$109,995
+HK$6,309/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$207,372/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,543
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$111,454
−HK$2,953/mo
Today · 4.125%
HK$114,407
baseline
▲ 0.50% · 4.625%
HK$120,438
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.39M · min. income ≈ HK$228,814/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,444
−HK$7,867/mo
▼ 0.25% · 3.875%
HK$129,346
−HK$3,965/mo
Today · 4.125%
HK$133,311
baseline
▲ 0.50% · 4.625%
HK$141,422
+HK$8,111/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,622/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,555
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$143,298
−HK$3,797/mo
Today · 4.125%
HK$147,095
baseline
▲ 0.50% · 4.625%
HK$154,849
+HK$7,754/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,190/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,298,924 · Scale 2, in force from 26 Feb 2026)