LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,702
−HK$4,371/mo
▼ 0.25% · 3.875%
HK$71,870
−HK$2,203/mo
Today · 4.125%
HK$74,073
baseline
▲ 0.50% · 4.625%
HK$78,580
+HK$4,507/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$148,146/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,542
−HK$4,190/mo
▼ 0.25% · 3.875%
HK$79,622
−HK$2,110/mo
Today · 4.125%
HK$81,732
baseline
▲ 0.50% · 4.625%
HK$86,040
+HK$4,308/mo
Deposit HK$15.28M · loan HK$15.28M · min. income ≈ HK$163,464/mo (50% DSR)
Upfront cash ≈ HK$16.58M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,642
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$86,244
−HK$2,643/mo
Today · 4.125%
HK$88,887
baseline
▲ 0.50% · 4.625%
HK$94,296
+HK$5,409/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$177,774/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,051
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$95,547
−HK$2,531/mo
Today · 4.125%
HK$98,078
baseline
▲ 0.50% · 4.625%
HK$103,248
+HK$5,170/mo
Deposit HK$12.23M · loan HK$18.34M · min. income ≈ HK$196,156/mo (50% DSR)
Upfront cash ≈ HK$13.53M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,582
−HK$6,120/mo
▼ 0.25% · 3.875%
HK$100,618
−HK$3,084/mo
Today · 4.125%
HK$103,702
baseline
▲ 0.50% · 4.625%
HK$110,012
+HK$6,310/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$207,404/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,559
−HK$5,866/mo
▼ 0.25% · 3.875%
HK$111,471
−HK$2,954/mo
Today · 4.125%
HK$114,425
baseline
▲ 0.50% · 4.625%
HK$120,456
+HK$6,031/mo
Deposit HK$9.17M · loan HK$21.40M · min. income ≈ HK$228,850/mo (50% DSR)
Upfront cash ≈ HK$10.47M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,463
−HK$7,868/mo
▼ 0.25% · 3.875%
HK$129,366
−HK$3,965/mo
Today · 4.125%
HK$133,331
baseline
▲ 0.50% · 4.625%
HK$141,444
+HK$8,113/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$266,662/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,576
−HK$7,541/mo
▼ 0.25% · 3.875%
HK$143,320
−HK$3,797/mo
Today · 4.125%
HK$147,117
baseline
▲ 0.50% · 4.625%
HK$154,872
+HK$7,755/mo
Deposit HK$3.06M · loan HK$27.51M · min. income ≈ HK$294,234/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,299,118 · Scale 2, in force from 26 Feb 2026)