LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,799
−HK$4,377/mo
▼ 0.25% · 3.875%
HK$71,970
−HK$2,206/mo
Today · 4.125%
HK$74,176
baseline
▲ 0.50% · 4.625%
HK$78,689
+HK$4,513/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$148,352/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,650
−HK$4,195/mo
▼ 0.25% · 3.875%
HK$79,733
−HK$2,112/mo
Today · 4.125%
HK$81,845
baseline
▲ 0.50% · 4.625%
HK$86,160
+HK$4,315/mo
Deposit HK$15.30M · loan HK$15.30M · min. income ≈ HK$163,690/mo (50% DSR)
Upfront cash ≈ HK$16.61M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,758
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$86,364
−HK$2,647/mo
Today · 4.125%
HK$89,011
baseline
▲ 0.50% · 4.625%
HK$94,427
+HK$5,416/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$178,022/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,180
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$95,679
−HK$2,536/mo
Today · 4.125%
HK$98,215
baseline
▲ 0.50% · 4.625%
HK$103,392
+HK$5,177/mo
Deposit HK$12.24M · loan HK$18.37M · min. income ≈ HK$196,430/mo (50% DSR)
Upfront cash ≈ HK$13.54M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,718
−HK$6,128/mo
▼ 0.25% · 3.875%
HK$100,758
−HK$3,088/mo
Today · 4.125%
HK$103,846
baseline
▲ 0.50% · 4.625%
HK$110,165
+HK$6,319/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$207,692/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,710
−HK$5,874/mo
▼ 0.25% · 3.875%
HK$111,626
−HK$2,958/mo
Today · 4.125%
HK$114,584
baseline
▲ 0.50% · 4.625%
HK$120,624
+HK$6,040/mo
Deposit HK$9.18M · loan HK$21.43M · min. income ≈ HK$229,168/mo (50% DSR)
Upfront cash ≈ HK$10.48M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,638
−HK$7,878/mo
▼ 0.25% · 3.875%
HK$129,546
−HK$3,970/mo
Today · 4.125%
HK$133,516
baseline
▲ 0.50% · 4.625%
HK$141,640
+HK$8,124/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$267,032/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,770
−HK$7,552/mo
▼ 0.25% · 3.875%
HK$143,519
−HK$3,803/mo
Today · 4.125%
HK$147,322
baseline
▲ 0.50% · 4.625%
HK$155,087
+HK$7,765/mo
Deposit HK$3.06M · loan HK$27.55M · min. income ≈ HK$294,644/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$1,300,925 · Scale 2, in force from 26 Feb 2026)