LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,016
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,163
−HK$2,181/mo
Today · 4.125%
HK$73,344
baseline
▲ 0.50% · 4.625%
HK$77,807
+HK$4,463/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,688/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,780
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,839
−HK$2,089/mo
Today · 4.125%
HK$80,928
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,266/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,856/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,819
−HK$5,194/mo
▼ 0.25% · 3.875%
HK$85,396
−HK$2,617/mo
Today · 4.125%
HK$88,013
baseline
▲ 0.50% · 4.625%
HK$93,368
+HK$5,355/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,026/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,136
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,607
−HK$2,507/mo
Today · 4.125%
HK$97,114
baseline
▲ 0.50% · 4.625%
HK$102,233
+HK$5,119/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,228/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,623
−HK$6,059/mo
▼ 0.25% · 3.875%
HK$99,628
−HK$3,054/mo
Today · 4.125%
HK$102,682
baseline
▲ 0.50% · 4.625%
HK$108,930
+HK$6,248/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,364/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,492
−HK$5,807/mo
▼ 0.25% · 3.875%
HK$110,375
−HK$2,924/mo
Today · 4.125%
HK$113,299
baseline
▲ 0.50% · 4.625%
HK$119,271
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,598/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,229
−HK$7,790/mo
▼ 0.25% · 3.875%
HK$128,093
−HK$3,926/mo
Today · 4.125%
HK$132,019
baseline
▲ 0.50% · 4.625%
HK$140,053
+HK$8,034/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,038/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,204
−HK$7,466/mo
▼ 0.25% · 3.875%
HK$141,910
−HK$3,760/mo
Today · 4.125%
HK$145,670
baseline
▲ 0.50% · 4.625%
HK$153,349
+HK$7,679/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,340/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,343 · Scale 2, in force from 26 Feb 2026)