LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,040
−HK$4,329/mo
▼ 0.25% · 3.875%
HK$71,188
−HK$2,181/mo
Today · 4.125%
HK$73,369
baseline
▲ 0.50% · 4.625%
HK$77,834
+HK$4,465/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,738/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,806
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,866
−HK$2,090/mo
Today · 4.125%
HK$80,956
baseline
▲ 0.50% · 4.625%
HK$85,223
+HK$4,267/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,912/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,848
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,425
−HK$2,618/mo
Today · 4.125%
HK$88,043
baseline
▲ 0.50% · 4.625%
HK$93,401
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,086/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,168
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$94,640
−HK$2,507/mo
Today · 4.125%
HK$97,147
baseline
▲ 0.50% · 4.625%
HK$102,268
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,294/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,656
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,663
−HK$3,054/mo
Today · 4.125%
HK$102,717
baseline
▲ 0.50% · 4.625%
HK$108,967
+HK$6,250/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,434/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,529
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$110,413
−HK$2,925/mo
Today · 4.125%
HK$113,338
baseline
▲ 0.50% · 4.625%
HK$119,313
+HK$5,975/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,676/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,272
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$128,138
−HK$3,927/mo
Today · 4.125%
HK$132,065
baseline
▲ 0.50% · 4.625%
HK$140,101
+HK$8,036/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,130/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,251
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,959
−HK$3,762/mo
Today · 4.125%
HK$145,721
baseline
▲ 0.50% · 4.625%
HK$153,402
+HK$7,681/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,442/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,787 · Scale 2, in force from 26 Feb 2026)