LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,767
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,937
−HK$2,205/mo
Today · 4.125%
HK$74,142
baseline
▲ 0.50% · 4.625%
HK$78,653
+HK$4,511/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,284/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,615
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,697
−HK$2,111/mo
Today · 4.125%
HK$81,808
baseline
▲ 0.50% · 4.625%
HK$86,121
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,616/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,721
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,325
−HK$2,646/mo
Today · 4.125%
HK$88,971
baseline
▲ 0.50% · 4.625%
HK$94,384
+HK$5,413/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,942/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,138
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,636
−HK$2,534/mo
Today · 4.125%
HK$98,170
baseline
▲ 0.50% · 4.625%
HK$103,345
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,340/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,674
−HK$6,125/mo
▼ 0.25% · 3.875%
HK$100,712
−HK$3,087/mo
Today · 4.125%
HK$103,799
baseline
▲ 0.50% · 4.625%
HK$110,115
+HK$6,316/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,598/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,661
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,575
−HK$2,957/mo
Today · 4.125%
HK$114,532
baseline
▲ 0.50% · 4.625%
HK$120,569
+HK$6,037/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,064/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,581
−HK$7,875/mo
▼ 0.25% · 3.875%
HK$129,487
−HK$3,969/mo
Today · 4.125%
HK$133,456
baseline
▲ 0.50% · 4.625%
HK$141,576
+HK$8,120/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,912/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,707
−HK$7,548/mo
▼ 0.25% · 3.875%
HK$143,454
−HK$3,801/mo
Today · 4.125%
HK$147,255
baseline
▲ 0.50% · 4.625%
HK$155,017
+HK$7,762/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,510/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,337 · Scale 2, in force from 26 Feb 2026)