LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,001
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,147
−HK$2,181/mo
Today · 4.125%
HK$73,328
baseline
▲ 0.50% · 4.625%
HK$77,790
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,656/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,763
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,822
−HK$2,088/mo
Today · 4.125%
HK$80,910
baseline
▲ 0.50% · 4.625%
HK$85,175
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,820/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,801
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,377
−HK$2,617/mo
Today · 4.125%
HK$87,994
baseline
▲ 0.50% · 4.625%
HK$93,348
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,988/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,116
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,586
−HK$2,506/mo
Today · 4.125%
HK$97,092
baseline
▲ 0.50% · 4.625%
HK$102,210
+HK$5,118/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,184/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,601
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,606
−HK$3,053/mo
Today · 4.125%
HK$102,659
baseline
▲ 0.50% · 4.625%
HK$108,906
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,318/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,468
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,350
−HK$2,924/mo
Today · 4.125%
HK$113,274
baseline
▲ 0.50% · 4.625%
HK$119,245
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,548/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,202
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,065
−HK$3,925/mo
Today · 4.125%
HK$131,990
baseline
▲ 0.50% · 4.625%
HK$140,022
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,980/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,173
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,879
−HK$3,759/mo
Today · 4.125%
HK$145,638
baseline
▲ 0.50% · 4.625%
HK$153,315
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,276/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,060 · Scale 2, in force from 26 Feb 2026)