LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,010
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,157
−HK$2,181/mo
Today · 4.125%
HK$73,338
baseline
▲ 0.50% · 4.625%
HK$77,800
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,676/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,773
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,832
−HK$2,089/mo
Today · 4.125%
HK$80,921
baseline
▲ 0.50% · 4.625%
HK$85,186
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,842/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,812
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,388
−HK$2,617/mo
Today · 4.125%
HK$88,005
baseline
▲ 0.50% · 4.625%
HK$93,360
+HK$5,355/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,010/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,128
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,598
−HK$2,507/mo
Today · 4.125%
HK$97,105
baseline
▲ 0.50% · 4.625%
HK$102,224
+HK$5,119/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,210/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,614
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,619
−HK$3,054/mo
Today · 4.125%
HK$102,673
baseline
▲ 0.50% · 4.625%
HK$108,920
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,346/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,482
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,365
−HK$2,924/mo
Today · 4.125%
HK$113,289
baseline
▲ 0.50% · 4.625%
HK$119,261
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,578/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,218
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,082
−HK$3,926/mo
Today · 4.125%
HK$132,008
baseline
▲ 0.50% · 4.625%
HK$140,040
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,016/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,191
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,898
−HK$3,759/mo
Today · 4.125%
HK$145,657
baseline
▲ 0.50% · 4.625%
HK$153,335
+HK$7,678/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,314/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,228 · Scale 2, in force from 26 Feb 2026)