LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,779
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,949
−HK$2,205/mo
Today · 4.125%
HK$74,154
baseline
▲ 0.50% · 4.625%
HK$78,666
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,308/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,628
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,710
−HK$2,112/mo
Today · 4.125%
HK$81,822
baseline
▲ 0.50% · 4.625%
HK$86,135
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,644/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,734
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,339
−HK$2,646/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$94,400
+HK$5,415/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,154
−HK$5,032/mo
▼ 0.25% · 3.875%
HK$95,652
−HK$2,534/mo
Today · 4.125%
HK$98,186
baseline
▲ 0.50% · 4.625%
HK$103,362
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,372/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,690
−HK$6,126/mo
▼ 0.25% · 3.875%
HK$100,729
−HK$3,087/mo
Today · 4.125%
HK$103,816
baseline
▲ 0.50% · 4.625%
HK$110,133
+HK$6,317/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,632/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,679
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,594
−HK$2,957/mo
Today · 4.125%
HK$114,551
baseline
▲ 0.50% · 4.625%
HK$120,589
+HK$6,038/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,102/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,601
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,508
−HK$3,970/mo
Today · 4.125%
HK$133,478
baseline
▲ 0.50% · 4.625%
HK$141,600
+HK$8,122/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,956/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,730
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,478
−HK$3,802/mo
Today · 4.125%
HK$147,280
baseline
▲ 0.50% · 4.625%
HK$155,043
+HK$7,763/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,560/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,552 · Scale 2, in force from 26 Feb 2026)