LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,788
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,959
−HK$2,206/mo
Today · 4.125%
HK$74,165
baseline
▲ 0.50% · 4.625%
HK$78,677
+HK$4,512/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,330/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,639
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,721
−HK$2,112/mo
Today · 4.125%
HK$81,833
baseline
▲ 0.50% · 4.625%
HK$86,147
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,666/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,746
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$86,351
−HK$2,646/mo
Today · 4.125%
HK$88,997
baseline
▲ 0.50% · 4.625%
HK$94,413
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$177,994/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,166
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,665
−HK$2,535/mo
Today · 4.125%
HK$98,200
baseline
▲ 0.50% · 4.625%
HK$103,376
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,400/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,703
−HK$6,127/mo
▼ 0.25% · 3.875%
HK$100,743
−HK$3,087/mo
Today · 4.125%
HK$103,830
baseline
▲ 0.50% · 4.625%
HK$110,148
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$207,660/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,694
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,609
−HK$2,958/mo
Today · 4.125%
HK$114,567
baseline
▲ 0.50% · 4.625%
HK$120,606
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.42M · min. income ≈ HK$229,134/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,619
−HK$7,877/mo
▼ 0.25% · 3.875%
HK$129,526
−HK$3,970/mo
Today · 4.125%
HK$133,496
baseline
▲ 0.50% · 4.625%
HK$141,619
+HK$8,123/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$266,992/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,750
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$143,498
−HK$3,802/mo
Today · 4.125%
HK$147,300
baseline
▲ 0.50% · 4.625%
HK$155,064
+HK$7,764/mo
Deposit HK$3.06M · loan HK$27.54M · min. income ≈ HK$294,600/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,731 · Scale 2, in force from 26 Feb 2026)