LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,780
−HK$4,375/mo
▼ 0.25% · 3.875%
HK$71,950
−HK$2,205/mo
Today · 4.125%
HK$74,155
baseline
▲ 0.50% · 4.625%
HK$78,668
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,310/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,629
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,711
−HK$2,112/mo
Today · 4.125%
HK$81,823
baseline
▲ 0.50% · 4.625%
HK$86,136
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,646/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,736
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$86,340
−HK$2,646/mo
Today · 4.125%
HK$88,986
baseline
▲ 0.50% · 4.625%
HK$94,401
+HK$5,415/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,972/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,155
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$95,653
−HK$2,535/mo
Today · 4.125%
HK$98,188
baseline
▲ 0.50% · 4.625%
HK$103,363
+HK$5,175/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,376/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,691
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,730
−HK$3,088/mo
Today · 4.125%
HK$103,818
baseline
▲ 0.50% · 4.625%
HK$110,135
+HK$6,317/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,636/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,681
−HK$5,871/mo
▼ 0.25% · 3.875%
HK$111,596
−HK$2,956/mo
Today · 4.125%
HK$114,552
baseline
▲ 0.50% · 4.625%
HK$120,591
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,104/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,603
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,510
−HK$3,970/mo
Today · 4.125%
HK$133,480
baseline
▲ 0.50% · 4.625%
HK$141,602
+HK$8,122/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,960/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,732
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,480
−HK$3,802/mo
Today · 4.125%
HK$147,282
baseline
▲ 0.50% · 4.625%
HK$155,045
+HK$7,763/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,564/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,570 · Scale 2, in force from 26 Feb 2026)