LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,796
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,967
−HK$2,206/mo
Today · 4.125%
HK$74,173
baseline
▲ 0.50% · 4.625%
HK$78,686
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,346/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,647
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,730
−HK$2,112/mo
Today · 4.125%
HK$81,842
baseline
▲ 0.50% · 4.625%
HK$86,156
+HK$4,314/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,684/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,755
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$86,360
−HK$2,647/mo
Today · 4.125%
HK$89,007
baseline
▲ 0.50% · 4.625%
HK$94,423
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$178,014/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,177
−HK$5,034/mo
▼ 0.25% · 3.875%
HK$95,676
−HK$2,535/mo
Today · 4.125%
HK$98,211
baseline
▲ 0.50% · 4.625%
HK$103,388
+HK$5,177/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$196,422/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,714
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,754
−HK$3,088/mo
Today · 4.125%
HK$103,842
baseline
▲ 0.50% · 4.625%
HK$110,160
+HK$6,318/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,684/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,706
−HK$5,873/mo
▼ 0.25% · 3.875%
HK$111,622
−HK$2,957/mo
Today · 4.125%
HK$114,579
baseline
▲ 0.50% · 4.625%
HK$120,619
+HK$6,040/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,158/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,633
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,540
−HK$3,971/mo
Today · 4.125%
HK$133,511
baseline
▲ 0.50% · 4.625%
HK$141,635
+HK$8,124/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,022/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,765
−HK$7,551/mo
▼ 0.25% · 3.875%
HK$143,513
−HK$3,803/mo
Today · 4.125%
HK$147,316
baseline
▲ 0.50% · 4.625%
HK$155,081
+HK$7,765/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,632/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,874 · Scale 2, in force from 26 Feb 2026)