LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,053
−HK$4,330/mo
▼ 0.25% · 3.875%
HK$71,201
−HK$2,182/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,849
+HK$4,466/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,821
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$78,881
−HK$2,090/mo
Today · 4.125%
HK$80,971
baseline
▲ 0.50% · 4.625%
HK$85,240
+HK$4,269/mo
Deposit HK$15.14M · loan HK$15.14M · min. income ≈ HK$161,942/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,864
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$85,441
−HK$2,619/mo
Today · 4.125%
HK$88,060
baseline
▲ 0.50% · 4.625%
HK$93,418
+HK$5,358/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$176,120/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,185
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$94,658
−HK$2,508/mo
Today · 4.125%
HK$97,166
baseline
▲ 0.50% · 4.625%
HK$102,287
+HK$5,121/mo
Deposit HK$12.11M · loan HK$18.17M · min. income ≈ HK$194,332/mo (50% DSR)
Upfront cash ≈ HK$13.40M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,675
−HK$6,062/mo
▼ 0.25% · 3.875%
HK$99,682
−HK$3,055/mo
Today · 4.125%
HK$102,737
baseline
▲ 0.50% · 4.625%
HK$108,988
+HK$6,251/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$205,474/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,549
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$110,434
−HK$2,926/mo
Today · 4.125%
HK$113,360
baseline
▲ 0.50% · 4.625%
HK$119,335
+HK$5,975/mo
Deposit HK$9.08M · loan HK$21.20M · min. income ≈ HK$226,720/mo (50% DSR)
Upfront cash ≈ HK$10.37M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,296
−HK$7,794/mo
▼ 0.25% · 3.875%
HK$128,162
−HK$3,928/mo
Today · 4.125%
HK$132,090
baseline
▲ 0.50% · 4.625%
HK$140,128
+HK$8,038/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$264,180/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,278
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$141,986
−HK$3,763/mo
Today · 4.125%
HK$145,749
baseline
▲ 0.50% · 4.625%
HK$153,431
+HK$7,682/mo
Deposit HK$3.03M · loan HK$27.25M · min. income ≈ HK$291,498/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,032 · Scale 2, in force from 26 Feb 2026)