LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,089
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,238
−HK$2,183/mo
Today · 4.125%
HK$73,421
baseline
▲ 0.50% · 4.625%
HK$77,889
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,842/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,860
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,922
−HK$2,091/mo
Today · 4.125%
HK$81,013
baseline
▲ 0.50% · 4.625%
HK$85,283
+HK$4,270/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,026/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,906
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,485
−HK$2,620/mo
Today · 4.125%
HK$88,105
baseline
▲ 0.50% · 4.625%
HK$93,466
+HK$5,361/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,210/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,232
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,706
−HK$2,509/mo
Today · 4.125%
HK$97,215
baseline
▲ 0.50% · 4.625%
HK$102,340
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,430/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,724
−HK$6,065/mo
▼ 0.25% · 3.875%
HK$99,733
−HK$3,056/mo
Today · 4.125%
HK$102,789
baseline
▲ 0.50% · 4.625%
HK$109,044
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,578/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,604
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,490
−HK$2,928/mo
Today · 4.125%
HK$113,418
baseline
▲ 0.50% · 4.625%
HK$119,396
+HK$5,978/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,836/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,359
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,228
−HK$3,930/mo
Today · 4.125%
HK$132,158
baseline
▲ 0.50% · 4.625%
HK$140,199
+HK$8,041/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,316/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,349
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$142,059
−HK$3,764/mo
Today · 4.125%
HK$145,823
baseline
▲ 0.50% · 4.625%
HK$153,510
+HK$7,687/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,646/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,691 · Scale 2, in force from 26 Feb 2026)