LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,047
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,195
−HK$2,182/mo
Today · 4.125%
HK$73,377
baseline
▲ 0.50% · 4.625%
HK$77,842
+HK$4,465/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,754/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,814
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,874
−HK$2,090/mo
Today · 4.125%
HK$80,964
baseline
▲ 0.50% · 4.625%
HK$85,232
+HK$4,268/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,928/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,856
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,434
−HK$2,618/mo
Today · 4.125%
HK$88,052
baseline
▲ 0.50% · 4.625%
HK$93,410
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,104/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,177
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$94,649
−HK$2,508/mo
Today · 4.125%
HK$97,157
baseline
▲ 0.50% · 4.625%
HK$102,278
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,314/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,666
−HK$6,061/mo
▼ 0.25% · 3.875%
HK$99,673
−HK$3,054/mo
Today · 4.125%
HK$102,727
baseline
▲ 0.50% · 4.625%
HK$108,978
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$205,454/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,540
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$110,424
−HK$2,926/mo
Today · 4.125%
HK$113,350
baseline
▲ 0.50% · 4.625%
HK$119,324
+HK$5,974/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$226,700/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,284
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,150
−HK$3,928/mo
Today · 4.125%
HK$132,078
baseline
▲ 0.50% · 4.625%
HK$140,115
+HK$8,037/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,156/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,265
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$141,973
−HK$3,762/mo
Today · 4.125%
HK$145,735
baseline
▲ 0.50% · 4.625%
HK$153,417
+HK$7,682/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,470/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,286,915 · Scale 2, in force from 26 Feb 2026)