LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,777
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,948
−HK$2,205/mo
Today · 4.125%
HK$74,153
baseline
▲ 0.50% · 4.625%
HK$78,665
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,306/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,626
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,708
−HK$2,112/mo
Today · 4.125%
HK$81,820
baseline
▲ 0.50% · 4.625%
HK$86,133
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,640/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,733
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,337
−HK$2,646/mo
Today · 4.125%
HK$88,983
baseline
▲ 0.50% · 4.625%
HK$94,398
+HK$5,415/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,966/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,152
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,650
−HK$2,534/mo
Today · 4.125%
HK$98,184
baseline
▲ 0.50% · 4.625%
HK$103,360
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,368/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,688
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,727
−HK$3,087/mo
Today · 4.125%
HK$103,814
baseline
▲ 0.50% · 4.625%
HK$110,131
+HK$6,317/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,628/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,677
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,592
−HK$2,956/mo
Today · 4.125%
HK$114,548
baseline
▲ 0.50% · 4.625%
HK$120,586
+HK$6,038/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,096/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,599
−HK$7,876/mo
▼ 0.25% · 3.875%
HK$129,506
−HK$3,969/mo
Today · 4.125%
HK$133,475
baseline
▲ 0.50% · 4.625%
HK$141,597
+HK$8,122/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,950/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,728
−HK$7,549/mo
▼ 0.25% · 3.875%
HK$143,475
−HK$3,802/mo
Today · 4.125%
HK$147,277
baseline
▲ 0.50% · 4.625%
HK$155,040
+HK$7,763/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,554/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,525 · Scale 2, in force from 26 Feb 2026)