LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,019
−HK$4,328/mo
▼ 0.25% · 3.875%
HK$71,166
−HK$2,181/mo
Today · 4.125%
HK$73,347
baseline
▲ 0.50% · 4.625%
HK$77,810
+HK$4,463/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,694/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,783
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$78,842
−HK$2,089/mo
Today · 4.125%
HK$80,931
baseline
▲ 0.50% · 4.625%
HK$85,197
+HK$4,266/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,862/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,823
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$85,399
−HK$2,617/mo
Today · 4.125%
HK$88,016
baseline
▲ 0.50% · 4.625%
HK$93,372
+HK$5,356/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$176,032/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,139
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$94,611
−HK$2,506/mo
Today · 4.125%
HK$97,117
baseline
▲ 0.50% · 4.625%
HK$102,237
+HK$5,120/mo
Deposit HK$12.11M · loan HK$18.16M · min. income ≈ HK$194,234/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,626
−HK$6,060/mo
▼ 0.25% · 3.875%
HK$99,632
−HK$3,054/mo
Today · 4.125%
HK$102,686
baseline
▲ 0.50% · 4.625%
HK$108,934
+HK$6,248/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,372/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,496
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$110,379
−HK$2,925/mo
Today · 4.125%
HK$113,304
baseline
▲ 0.50% · 4.625%
HK$119,276
+HK$5,972/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,608/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,234
−HK$7,791/mo
▼ 0.25% · 3.875%
HK$128,098
−HK$3,927/mo
Today · 4.125%
HK$132,025
baseline
▲ 0.50% · 4.625%
HK$140,058
+HK$8,033/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$264,050/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,209
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$141,916
−HK$3,760/mo
Today · 4.125%
HK$145,676
baseline
▲ 0.50% · 4.625%
HK$153,355
+HK$7,679/mo
Deposit HK$3.03M · loan HK$27.24M · min. income ≈ HK$291,352/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,392 · Scale 2, in force from 26 Feb 2026)