LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,794
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,965
−HK$2,206/mo
Today · 4.125%
HK$74,171
baseline
▲ 0.50% · 4.625%
HK$78,684
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,342/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,646
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$79,728
−HK$2,112/mo
Today · 4.125%
HK$81,840
baseline
▲ 0.50% · 4.625%
HK$86,154
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,680/mo (50% DSR)
Upfront cash ≈ HK$16.60M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,753
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,358
−HK$2,647/mo
Today · 4.125%
HK$89,005
baseline
▲ 0.50% · 4.625%
HK$94,421
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$178,010/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,175
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,674
−HK$2,535/mo
Today · 4.125%
HK$98,209
baseline
▲ 0.50% · 4.625%
HK$103,385
+HK$5,176/mo
Deposit HK$12.24M · loan HK$18.36M · min. income ≈ HK$196,418/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,712
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,752
−HK$3,088/mo
Today · 4.125%
HK$103,840
baseline
▲ 0.50% · 4.625%
HK$110,158
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,680/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,704
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,619
−HK$2,958/mo
Today · 4.125%
HK$114,577
baseline
▲ 0.50% · 4.625%
HK$120,616
+HK$6,039/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,154/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,630
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,538
−HK$3,970/mo
Today · 4.125%
HK$133,508
baseline
▲ 0.50% · 4.625%
HK$141,632
+HK$8,124/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,016/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,762
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,510
−HK$3,803/mo
Today · 4.125%
HK$147,313
baseline
▲ 0.50% · 4.625%
HK$155,078
+HK$7,765/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,626/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,846 · Scale 2, in force from 26 Feb 2026)