LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,766
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,936
−HK$2,205/mo
Today · 4.125%
HK$74,141
baseline
▲ 0.50% · 4.625%
HK$78,652
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,282/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,614
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,695
−HK$2,112/mo
Today · 4.125%
HK$81,807
baseline
▲ 0.50% · 4.625%
HK$86,119
+HK$4,312/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,614/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,719
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,323
−HK$2,646/mo
Today · 4.125%
HK$88,969
baseline
▲ 0.50% · 4.625%
HK$94,383
+HK$5,414/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,938/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,137
−HK$5,031/mo
▼ 0.25% · 3.875%
HK$95,634
−HK$2,534/mo
Today · 4.125%
HK$98,168
baseline
▲ 0.50% · 4.625%
HK$103,343
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,336/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,672
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,710
−HK$3,087/mo
Today · 4.125%
HK$103,797
baseline
▲ 0.50% · 4.625%
HK$110,113
+HK$6,316/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,594/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,659
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,574
−HK$2,956/mo
Today · 4.125%
HK$114,530
baseline
▲ 0.50% · 4.625%
HK$120,567
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,060/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,579
−HK$7,874/mo
▼ 0.25% · 3.875%
HK$129,485
−HK$3,968/mo
Today · 4.125%
HK$133,453
baseline
▲ 0.50% · 4.625%
HK$141,574
+HK$8,121/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,906/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,705
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,452
−HK$3,801/mo
Today · 4.125%
HK$147,253
baseline
▲ 0.50% · 4.625%
HK$155,015
+HK$7,762/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,506/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,315 · Scale 2, in force from 26 Feb 2026)