LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,004
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,151
−HK$2,181/mo
Today · 4.125%
HK$73,332
baseline
▲ 0.50% · 4.625%
HK$77,794
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,664/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,767
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,826
−HK$2,088/mo
Today · 4.125%
HK$80,914
baseline
▲ 0.50% · 4.625%
HK$85,179
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,828/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,805
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,381
−HK$2,617/mo
Today · 4.125%
HK$87,998
baseline
▲ 0.50% · 4.625%
HK$93,352
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,996/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,120
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,591
−HK$2,506/mo
Today · 4.125%
HK$97,097
baseline
▲ 0.50% · 4.625%
HK$102,215
+HK$5,118/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,194/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,606
−HK$6,058/mo
▼ 0.25% · 3.875%
HK$99,611
−HK$3,053/mo
Today · 4.125%
HK$102,664
baseline
▲ 0.50% · 4.625%
HK$108,911
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,328/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,473
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,356
−HK$2,924/mo
Today · 4.125%
HK$113,280
baseline
▲ 0.50% · 4.625%
HK$119,251
+HK$5,971/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,560/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,208
−HK$7,789/mo
▼ 0.25% · 3.875%
HK$128,071
−HK$3,926/mo
Today · 4.125%
HK$131,997
baseline
▲ 0.50% · 4.625%
HK$140,029
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$263,994/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,180
−HK$7,465/mo
▼ 0.25% · 3.875%
HK$141,886
−HK$3,759/mo
Today · 4.125%
HK$145,645
baseline
▲ 0.50% · 4.625%
HK$153,323
+HK$7,678/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,290/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,122 · Scale 2, in force from 26 Feb 2026)