LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,786
−HK$4,376/mo
▼ 0.25% · 3.875%
HK$71,957
−HK$2,205/mo
Today · 4.125%
HK$74,162
baseline
▲ 0.50% · 4.625%
HK$78,675
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,324/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,636
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,718
−HK$2,113/mo
Today · 4.125%
HK$81,831
baseline
▲ 0.50% · 4.625%
HK$86,144
+HK$4,313/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,662/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,743
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,348
−HK$2,647/mo
Today · 4.125%
HK$88,995
baseline
▲ 0.50% · 4.625%
HK$94,410
+HK$5,415/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,990/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,163
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,662
−HK$2,535/mo
Today · 4.125%
HK$98,197
baseline
▲ 0.50% · 4.625%
HK$103,373
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,394/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,700
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,739
−HK$3,088/mo
Today · 4.125%
HK$103,827
baseline
▲ 0.50% · 4.625%
HK$110,145
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,654/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,691
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$111,606
−HK$2,957/mo
Today · 4.125%
HK$114,563
baseline
▲ 0.50% · 4.625%
HK$120,602
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,126/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,615
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,522
−HK$3,970/mo
Today · 4.125%
HK$133,492
baseline
▲ 0.50% · 4.625%
HK$141,614
+HK$8,122/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,984/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,745
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,493
−HK$3,802/mo
Today · 4.125%
HK$147,295
baseline
▲ 0.50% · 4.625%
HK$155,059
+HK$7,764/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,590/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,688 · Scale 2, in force from 26 Feb 2026)