LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,133
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,283
−HK$2,185/mo
Today · 4.125%
HK$73,468
baseline
▲ 0.50% · 4.625%
HK$77,939
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,936/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,910
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,972
−HK$2,093/mo
Today · 4.125%
HK$81,065
baseline
▲ 0.50% · 4.625%
HK$85,338
+HK$4,273/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,130/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,960
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$85,540
−HK$2,622/mo
Today · 4.125%
HK$88,162
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$5,364/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,324/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,292
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,767
−HK$2,511/mo
Today · 4.125%
HK$97,278
baseline
▲ 0.50% · 4.625%
HK$102,406
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,556/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,786
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,797
−HK$3,059/mo
Today · 4.125%
HK$102,856
baseline
▲ 0.50% · 4.625%
HK$109,114
+HK$6,258/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$205,712/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,674
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,561
−HK$2,930/mo
Today · 4.125%
HK$113,491
baseline
▲ 0.50% · 4.625%
HK$119,473
+HK$5,982/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$226,982/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,439
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,310
−HK$3,933/mo
Today · 4.125%
HK$132,243
baseline
▲ 0.50% · 4.625%
HK$140,289
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,486/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,438
−HK$7,479/mo
▼ 0.25% · 3.875%
HK$142,150
−HK$3,767/mo
Today · 4.125%
HK$145,917
baseline
▲ 0.50% · 4.625%
HK$153,608
+HK$7,691/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,834/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,518 · Scale 2, in force from 26 Feb 2026)