LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,115
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$2,184/mo
Today · 4.125%
HK$73,449
baseline
▲ 0.50% · 4.625%
HK$77,919
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,898/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,890
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,952
−HK$2,092/mo
Today · 4.125%
HK$81,044
baseline
▲ 0.50% · 4.625%
HK$85,316
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,088/mo (50% DSR)
Upfront cash ≈ HK$16.44M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,938
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,518
−HK$2,621/mo
Today · 4.125%
HK$88,139
baseline
▲ 0.50% · 4.625%
HK$93,502
+HK$5,363/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$176,278/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,268
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,743
−HK$2,510/mo
Today · 4.125%
HK$97,253
baseline
▲ 0.50% · 4.625%
HK$102,379
+HK$5,126/mo
Deposit HK$12.12M · loan HK$18.19M · min. income ≈ HK$194,506/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,761
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,771
−HK$3,058/mo
Today · 4.125%
HK$102,829
baseline
▲ 0.50% · 4.625%
HK$109,086
+HK$6,257/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,658/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,646
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,533
−HK$2,929/mo
Today · 4.125%
HK$113,462
baseline
▲ 0.50% · 4.625%
HK$119,442
+HK$5,980/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,924/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,407
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,277
−HK$3,932/mo
Today · 4.125%
HK$132,209
baseline
▲ 0.50% · 4.625%
HK$140,253
+HK$8,044/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,418/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,402
−HK$7,477/mo
▼ 0.25% · 3.875%
HK$142,114
−HK$3,765/mo
Today · 4.125%
HK$145,879
baseline
▲ 0.50% · 4.625%
HK$153,569
+HK$7,690/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,758/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,187 · Scale 2, in force from 26 Feb 2026)