LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,775
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,945
−HK$2,205/mo
Today · 4.125%
HK$74,150
baseline
▲ 0.50% · 4.625%
HK$78,662
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,300/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,624
−HK$4,193/mo
▼ 0.25% · 3.875%
HK$79,705
−HK$2,112/mo
Today · 4.125%
HK$81,817
baseline
▲ 0.50% · 4.625%
HK$86,130
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,634/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,729
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,334
−HK$2,646/mo
Today · 4.125%
HK$88,980
baseline
▲ 0.50% · 4.625%
HK$94,394
+HK$5,414/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,960/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,148
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,646
−HK$2,535/mo
Today · 4.125%
HK$98,181
baseline
▲ 0.50% · 4.625%
HK$103,356
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,362/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,684
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,723
−HK$3,087/mo
Today · 4.125%
HK$103,810
baseline
▲ 0.50% · 4.625%
HK$110,127
+HK$6,317/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,620/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,673
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,587
−HK$2,957/mo
Today · 4.125%
HK$114,544
baseline
▲ 0.50% · 4.625%
HK$120,582
+HK$6,038/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,088/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,594
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$129,501
−HK$3,969/mo
Today · 4.125%
HK$133,470
baseline
▲ 0.50% · 4.625%
HK$141,591
+HK$8,121/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,940/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,722
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$143,470
−HK$3,801/mo
Today · 4.125%
HK$147,271
baseline
▲ 0.50% · 4.625%
HK$155,034
+HK$7,763/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,542/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,477 · Scale 2, in force from 26 Feb 2026)