LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,000
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,146
−HK$2,181/mo
Today · 4.125%
HK$73,327
baseline
▲ 0.50% · 4.625%
HK$77,788
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,654/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,762
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,820
−HK$2,089/mo
Today · 4.125%
HK$80,909
baseline
▲ 0.50% · 4.625%
HK$85,174
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,818/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,800
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,375
−HK$2,617/mo
Today · 4.125%
HK$87,992
baseline
▲ 0.50% · 4.625%
HK$93,346
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,984/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,114
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,584
−HK$2,506/mo
Today · 4.125%
HK$97,090
baseline
▲ 0.50% · 4.625%
HK$102,208
+HK$5,118/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,180/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,600
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,604
−HK$3,053/mo
Today · 4.125%
HK$102,657
baseline
▲ 0.50% · 4.625%
HK$108,904
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,314/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,466
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,348
−HK$2,924/mo
Today · 4.125%
HK$113,272
baseline
▲ 0.50% · 4.625%
HK$119,243
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,544/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,200
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,063
−HK$3,925/mo
Today · 4.125%
HK$131,988
baseline
▲ 0.50% · 4.625%
HK$140,019
+HK$8,031/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,976/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,171
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,876
−HK$3,760/mo
Today · 4.125%
HK$145,636
baseline
▲ 0.50% · 4.625%
HK$153,312
+HK$7,676/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,272/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,036 · Scale 2, in force from 26 Feb 2026)