LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,042
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,190
−HK$2,182/mo
Today · 4.125%
HK$73,372
baseline
▲ 0.50% · 4.625%
HK$77,836
+HK$4,464/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,744/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,809
−HK$4,149/mo
▼ 0.25% · 3.875%
HK$78,869
−HK$2,089/mo
Today · 4.125%
HK$80,958
baseline
▲ 0.50% · 4.625%
HK$85,226
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,916/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,851
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$85,428
−HK$2,618/mo
Today · 4.125%
HK$88,046
baseline
▲ 0.50% · 4.625%
HK$93,403
+HK$5,357/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,092/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,170
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,642
−HK$2,508/mo
Today · 4.125%
HK$97,150
baseline
▲ 0.50% · 4.625%
HK$102,271
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,300/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,659
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,666
−HK$3,054/mo
Today · 4.125%
HK$102,720
baseline
▲ 0.50% · 4.625%
HK$108,971
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$205,440/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,532
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,416
−HK$2,926/mo
Today · 4.125%
HK$113,342
baseline
▲ 0.50% · 4.625%
HK$119,316
+HK$5,974/mo
Deposit HK$9.08M · loan HK$21.19M · min. income ≈ HK$226,684/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,276
−HK$7,793/mo
▼ 0.25% · 3.875%
HK$128,141
−HK$3,928/mo
Today · 4.125%
HK$132,069
baseline
▲ 0.50% · 4.625%
HK$140,105
+HK$8,036/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,138/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,256
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$141,963
−HK$3,762/mo
Today · 4.125%
HK$145,725
baseline
▲ 0.50% · 4.625%
HK$153,406
+HK$7,681/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,450/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,825 · Scale 2, in force from 26 Feb 2026)