LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,128
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,279
−HK$2,184/mo
Today · 4.125%
HK$73,463
baseline
▲ 0.50% · 4.625%
HK$77,933
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,926/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,905
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,967
−HK$2,093/mo
Today · 4.125%
HK$81,060
baseline
▲ 0.50% · 4.625%
HK$85,332
+HK$4,272/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,120/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,954
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,534
−HK$2,622/mo
Today · 4.125%
HK$88,156
baseline
▲ 0.50% · 4.625%
HK$93,520
+HK$5,364/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,312/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,286
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$94,761
−HK$2,510/mo
Today · 4.125%
HK$97,271
baseline
▲ 0.50% · 4.625%
HK$102,399
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,542/mo (50% DSR)
Upfront cash ≈ HK$13.41M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,780
−HK$6,069/mo
▼ 0.25% · 3.875%
HK$99,790
−HK$3,059/mo
Today · 4.125%
HK$102,849
baseline
▲ 0.50% · 4.625%
HK$109,107
+HK$6,258/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$205,698/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,666
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,554
−HK$2,929/mo
Today · 4.125%
HK$113,483
baseline
▲ 0.50% · 4.625%
HK$119,465
+HK$5,982/mo
Deposit HK$9.09M · loan HK$21.22M · min. income ≈ HK$226,966/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,431
−HK$7,803/mo
▼ 0.25% · 3.875%
HK$128,302
−HK$3,932/mo
Today · 4.125%
HK$132,234
baseline
▲ 0.50% · 4.625%
HK$140,280
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$264,468/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,428
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,141
−HK$3,766/mo
Today · 4.125%
HK$145,907
baseline
▲ 0.50% · 4.625%
HK$153,598
+HK$7,691/mo
Deposit HK$3.03M · loan HK$27.28M · min. income ≈ HK$291,814/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,432 · Scale 2, in force from 26 Feb 2026)