LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,103
−HK$4,333/mo
▼ 0.25% · 3.875%
HK$71,252
−HK$2,184/mo
Today · 4.125%
HK$73,436
baseline
▲ 0.50% · 4.625%
HK$77,905
+HK$4,469/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$146,872/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,876
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,938
−HK$2,092/mo
Today · 4.125%
HK$81,030
baseline
▲ 0.50% · 4.625%
HK$85,301
+HK$4,271/mo
Deposit HK$15.15M · loan HK$15.15M · min. income ≈ HK$162,060/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,923
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,503
−HK$2,621/mo
Today · 4.125%
HK$88,124
baseline
▲ 0.50% · 4.625%
HK$93,486
+HK$5,362/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$176,248/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,252
−HK$4,984/mo
▼ 0.25% · 3.875%
HK$94,726
−HK$2,510/mo
Today · 4.125%
HK$97,236
baseline
▲ 0.50% · 4.625%
HK$102,361
+HK$5,125/mo
Deposit HK$12.12M · loan HK$18.18M · min. income ≈ HK$194,472/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,744
−HK$6,067/mo
▼ 0.25% · 3.875%
HK$99,753
−HK$3,058/mo
Today · 4.125%
HK$102,811
baseline
▲ 0.50% · 4.625%
HK$109,067
+HK$6,256/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$205,622/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,627
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$110,513
−HK$2,929/mo
Today · 4.125%
HK$113,442
baseline
▲ 0.50% · 4.625%
HK$119,421
+HK$5,979/mo
Deposit HK$9.09M · loan HK$21.21M · min. income ≈ HK$226,884/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,385
−HK$7,800/mo
▼ 0.25% · 3.875%
HK$128,254
−HK$3,931/mo
Today · 4.125%
HK$132,185
baseline
▲ 0.50% · 4.625%
HK$140,228
+HK$8,043/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$264,370/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,377
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$142,089
−HK$3,764/mo
Today · 4.125%
HK$145,853
baseline
▲ 0.50% · 4.625%
HK$153,542
+HK$7,689/mo
Deposit HK$3.03M · loan HK$27.27M · min. income ≈ HK$291,706/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,287,958 · Scale 2, in force from 26 Feb 2026)