LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,096
−HK$4,332/mo
▼ 0.25% · 3.875%
HK$71,245
−HK$2,183/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,896
+HK$4,468/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,868
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$78,930
−HK$2,091/mo
Today · 4.125%
HK$81,021
baseline
▲ 0.50% · 4.625%
HK$85,292
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,042/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,915
−HK$5,199/mo
▼ 0.25% · 3.875%
HK$85,494
−HK$2,620/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$93,476
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,242
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$94,716
−HK$2,509/mo
Today · 4.125%
HK$97,225
baseline
▲ 0.50% · 4.625%
HK$102,350
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,450/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,734
−HK$6,066/mo
▼ 0.25% · 3.875%
HK$99,743
−HK$3,057/mo
Today · 4.125%
HK$102,800
baseline
▲ 0.50% · 4.625%
HK$109,055
+HK$6,255/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,600/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,615
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$110,501
−HK$2,928/mo
Today · 4.125%
HK$113,429
baseline
▲ 0.50% · 4.625%
HK$119,408
+HK$5,979/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,858/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,372
−HK$7,799/mo
▼ 0.25% · 3.875%
HK$128,241
−HK$3,930/mo
Today · 4.125%
HK$132,171
baseline
▲ 0.50% · 4.625%
HK$140,213
+HK$8,042/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,342/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,362
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,073
−HK$3,765/mo
Today · 4.125%
HK$145,838
baseline
▲ 0.50% · 4.625%
HK$153,525
+HK$7,687/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,676/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,820 · Scale 2, in force from 26 Feb 2026)