LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,124
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$2,185/mo
Today · 4.125%
HK$73,459
baseline
▲ 0.50% · 4.625%
HK$77,929
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,918/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,900
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,962
−HK$2,093/mo
Today · 4.125%
HK$81,055
baseline
▲ 0.50% · 4.625%
HK$85,327
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,110/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,949
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,529
−HK$2,622/mo
Today · 4.125%
HK$88,151
baseline
▲ 0.50% · 4.625%
HK$93,514
+HK$5,363/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,302/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,280
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,755
−HK$2,511/mo
Today · 4.125%
HK$97,266
baseline
▲ 0.50% · 4.625%
HK$102,393
+HK$5,127/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,532/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,774
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,784
−HK$3,058/mo
Today · 4.125%
HK$102,842
baseline
▲ 0.50% · 4.625%
HK$109,100
+HK$6,258/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,684/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,660
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,547
−HK$2,929/mo
Today · 4.125%
HK$113,476
baseline
▲ 0.50% · 4.625%
HK$119,458
+HK$5,982/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,952/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,424
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,294
−HK$3,932/mo
Today · 4.125%
HK$132,226
baseline
▲ 0.50% · 4.625%
HK$140,272
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,452/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,420
−HK$7,478/mo
▼ 0.25% · 3.875%
HK$142,132
−HK$3,766/mo
Today · 4.125%
HK$145,898
baseline
▲ 0.50% · 4.625%
HK$153,589
+HK$7,691/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,796/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,355 · Scale 2, in force from 26 Feb 2026)