LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,125
−HK$4,334/mo
▼ 0.25% · 3.875%
HK$71,275
−HK$2,184/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$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,901
−HK$4,154/mo
▼ 0.25% · 3.875%
HK$78,963
−HK$2,092/mo
Today · 4.125%
HK$81,055
baseline
▲ 0.50% · 4.625%
HK$85,328
+HK$4,273/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$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,950
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$85,530
−HK$2,621/mo
Today · 4.125%
HK$88,151
baseline
▲ 0.50% · 4.625%
HK$93,515
+HK$5,364/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$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,281
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,756
−HK$2,510/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$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,775
−HK$6,068/mo
▼ 0.25% · 3.875%
HK$99,785
−HK$3,058/mo
Today · 4.125%
HK$102,843
baseline
▲ 0.50% · 4.625%
HK$109,101
+HK$6,258/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,686/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,661
−HK$5,816/mo
▼ 0.25% · 3.875%
HK$110,548
−HK$2,929/mo
Today · 4.125%
HK$113,477
baseline
▲ 0.50% · 4.625%
HK$119,459
+HK$5,982/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,954/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,425
−HK$7,802/mo
▼ 0.25% · 3.875%
HK$128,295
−HK$3,932/mo
Today · 4.125%
HK$132,227
baseline
▲ 0.50% · 4.625%
HK$140,273
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,454/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,421
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,133
−HK$3,767/mo
Today · 4.125%
HK$145,900
baseline
▲ 0.50% · 4.625%
HK$153,590
+HK$7,690/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,800/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,365 · Scale 2, in force from 26 Feb 2026)