LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,987
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$72,164
−HK$2,211/mo
Today · 4.125%
HK$74,375
baseline
▲ 0.50% · 4.625%
HK$78,901
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,750/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,859
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,948
−HK$2,118/mo
Today · 4.125%
HK$82,066
baseline
▲ 0.50% · 4.625%
HK$86,392
+HK$4,326/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,132/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,984
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$86,596
−HK$2,654/mo
Today · 4.125%
HK$89,250
baseline
▲ 0.50% · 4.625%
HK$94,681
+HK$5,431/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,500/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,431
−HK$5,048/mo
▼ 0.25% · 3.875%
HK$95,937
−HK$2,542/mo
Today · 4.125%
HK$98,479
baseline
▲ 0.50% · 4.625%
HK$103,670
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$196,958/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,981
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,029
−HK$3,097/mo
Today · 4.125%
HK$104,126
baseline
▲ 0.50% · 4.625%
HK$110,461
+HK$6,335/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$208,252/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,003
−HK$5,889/mo
▼ 0.25% · 3.875%
HK$111,927
−HK$2,965/mo
Today · 4.125%
HK$114,892
baseline
▲ 0.50% · 4.625%
HK$120,948
+HK$6,056/mo
Deposit HK$9.21M · loan HK$21.48M · min. income ≈ HK$229,784/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,976
−HK$7,900/mo
▼ 0.25% · 3.875%
HK$129,894
−HK$3,982/mo
Today · 4.125%
HK$133,876
baseline
▲ 0.50% · 4.625%
HK$142,022
+HK$8,146/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$267,752/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,147
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,906
−HK$3,813/mo
Today · 4.125%
HK$147,719
baseline
▲ 0.50% · 4.625%
HK$155,505
+HK$7,786/mo
Deposit HK$3.07M · loan HK$27.62M · min. income ≈ HK$295,438/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,429 · Scale 2, in force from 26 Feb 2026)