LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,015
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,161
−HK$2,182/mo
Today · 4.125%
HK$73,343
baseline
▲ 0.50% · 4.625%
HK$77,805
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,686/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,778
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,837
−HK$2,089/mo
Today · 4.125%
HK$80,926
baseline
▲ 0.50% · 4.625%
HK$85,192
+HK$4,266/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,852/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,818
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,394
−HK$2,617/mo
Today · 4.125%
HK$88,011
baseline
▲ 0.50% · 4.625%
HK$93,366
+HK$5,355/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,022/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,134
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,605
−HK$2,507/mo
Today · 4.125%
HK$97,112
baseline
▲ 0.50% · 4.625%
HK$102,230
+HK$5,118/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,224/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,621
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,626
−HK$3,054/mo
Today · 4.125%
HK$102,680
baseline
▲ 0.50% · 4.625%
HK$108,927
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,360/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,489
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,372
−HK$2,925/mo
Today · 4.125%
HK$113,297
baseline
▲ 0.50% · 4.625%
HK$119,269
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,594/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,226
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,091
−HK$3,926/mo
Today · 4.125%
HK$132,017
baseline
▲ 0.50% · 4.625%
HK$140,049
+HK$8,032/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,034/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,201
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,907
−HK$3,760/mo
Today · 4.125%
HK$145,667
baseline
▲ 0.50% · 4.625%
HK$153,346
+HK$7,679/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,334/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,314 · Scale 2, in force from 26 Feb 2026)