LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,995
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$72,172
−HK$2,212/mo
Today · 4.125%
HK$74,384
baseline
▲ 0.50% · 4.625%
HK$78,910
+HK$4,526/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$148,768/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,869
−HK$4,207/mo
▼ 0.25% · 3.875%
HK$79,957
−HK$2,119/mo
Today · 4.125%
HK$82,076
baseline
▲ 0.50% · 4.625%
HK$86,402
+HK$4,326/mo
Deposit HK$15.35M · loan HK$15.35M · min. income ≈ HK$164,152/mo (50% DSR)
Upfront cash ≈ HK$16.65M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,994
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$86,607
−HK$2,654/mo
Today · 4.125%
HK$89,261
baseline
▲ 0.50% · 4.625%
HK$94,692
+HK$5,431/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$178,522/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,442
−HK$5,049/mo
▼ 0.25% · 3.875%
HK$95,948
−HK$2,543/mo
Today · 4.125%
HK$98,491
baseline
▲ 0.50% · 4.625%
HK$103,682
+HK$5,191/mo
Deposit HK$12.28M · loan HK$18.42M · min. income ≈ HK$196,982/mo (50% DSR)
Upfront cash ≈ HK$13.58M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,993
−HK$6,145/mo
▼ 0.25% · 3.875%
HK$101,041
−HK$3,097/mo
Today · 4.125%
HK$104,138
baseline
▲ 0.50% · 4.625%
HK$110,474
+HK$6,336/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$208,276/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,016
−HK$5,890/mo
▼ 0.25% · 3.875%
HK$111,940
−HK$2,966/mo
Today · 4.125%
HK$114,906
baseline
▲ 0.50% · 4.625%
HK$120,963
+HK$6,057/mo
Deposit HK$9.21M · loan HK$21.49M · min. income ≈ HK$229,812/mo (50% DSR)
Upfront cash ≈ HK$10.51M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,991
−HK$7,901/mo
▼ 0.25% · 3.875%
HK$129,910
−HK$3,982/mo
Today · 4.125%
HK$133,892
baseline
▲ 0.50% · 4.625%
HK$142,039
+HK$8,147/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$267,784/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,164
−HK$7,572/mo
▼ 0.25% · 3.875%
HK$143,923
−HK$3,813/mo
Today · 4.125%
HK$147,736
baseline
▲ 0.50% · 4.625%
HK$155,523
+HK$7,787/mo
Deposit HK$3.07M · loan HK$27.63M · min. income ≈ HK$295,472/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$1,304,583 · Scale 2, in force from 26 Feb 2026)