LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,078
−HK$4,331/mo
▼ 0.25% · 3.875%
HK$71,226
−HK$2,183/mo
Today · 4.125%
HK$73,409
baseline
▲ 0.50% · 4.625%
HK$77,876
+HK$4,467/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,818/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,848
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$78,909
−HK$2,091/mo
Today · 4.125%
HK$81,000
baseline
▲ 0.50% · 4.625%
HK$85,270
+HK$4,270/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,000/mo (50% DSR)
Upfront cash ≈ HK$16.43M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,893
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$85,472
−HK$2,619/mo
Today · 4.125%
HK$88,091
baseline
▲ 0.50% · 4.625%
HK$93,452
+HK$5,361/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,182/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,218
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$94,691
−HK$2,509/mo
Today · 4.125%
HK$97,200
baseline
▲ 0.50% · 4.625%
HK$102,324
+HK$5,124/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,400/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,709
−HK$6,064/mo
▼ 0.25% · 3.875%
HK$99,717
−HK$3,056/mo
Today · 4.125%
HK$102,773
baseline
▲ 0.50% · 4.625%
HK$109,027
+HK$6,254/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,546/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,588
−HK$5,812/mo
▼ 0.25% · 3.875%
HK$110,473
−HK$2,927/mo
Today · 4.125%
HK$113,400
baseline
▲ 0.50% · 4.625%
HK$119,378
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,800/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,340
−HK$7,797/mo
▼ 0.25% · 3.875%
HK$128,208
−HK$3,929/mo
Today · 4.125%
HK$132,137
baseline
▲ 0.50% · 4.625%
HK$140,177
+HK$8,040/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$264,274/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,327
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$142,037
−HK$3,763/mo
Today · 4.125%
HK$145,800
baseline
▲ 0.50% · 4.625%
HK$153,486
+HK$7,686/mo
Deposit HK$3.03M · loan HK$27.26M · min. income ≈ HK$291,600/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,488 · Scale 2, in force from 26 Feb 2026)