LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,765
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,935
−HK$2,205/mo
Today · 4.125%
HK$74,140
baseline
▲ 0.50% · 4.625%
HK$78,651
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,280/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,613
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,694
−HK$2,112/mo
Today · 4.125%
HK$81,806
baseline
▲ 0.50% · 4.625%
HK$86,118
+HK$4,312/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,612/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,718
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,322
−HK$2,646/mo
Today · 4.125%
HK$88,968
baseline
▲ 0.50% · 4.625%
HK$94,381
+HK$5,413/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,936/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,135
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,633
−HK$2,534/mo
Today · 4.125%
HK$98,167
baseline
▲ 0.50% · 4.625%
HK$103,342
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,334/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,671
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,709
−HK$3,087/mo
Today · 4.125%
HK$103,796
baseline
▲ 0.50% · 4.625%
HK$110,111
+HK$6,315/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,592/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,658
−HK$5,870/mo
▼ 0.25% · 3.875%
HK$111,572
−HK$2,956/mo
Today · 4.125%
HK$114,528
baseline
▲ 0.50% · 4.625%
HK$120,565
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,056/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,577
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,483
−HK$3,969/mo
Today · 4.125%
HK$133,452
baseline
▲ 0.50% · 4.625%
HK$141,572
+HK$8,120/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,904/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,703
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,450
−HK$3,801/mo
Today · 4.125%
HK$147,251
baseline
▲ 0.50% · 4.625%
HK$155,013
+HK$7,762/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,502/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,297 · Scale 2, in force from 26 Feb 2026)