LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,134
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$2,185/mo
Today · 4.125%
HK$73,470
baseline
▲ 0.50% · 4.625%
HK$77,940
+HK$4,470/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,940/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,911
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,974
−HK$2,093/mo
Today · 4.125%
HK$81,067
baseline
▲ 0.50% · 4.625%
HK$85,340
+HK$4,273/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,134/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,961
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,542
−HK$2,622/mo
Today · 4.125%
HK$88,164
baseline
▲ 0.50% · 4.625%
HK$93,528
+HK$5,364/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,328/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,294
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,769
−HK$2,511/mo
Today · 4.125%
HK$97,280
baseline
▲ 0.50% · 4.625%
HK$102,408
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,560/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,788
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,799
−HK$3,059/mo
Today · 4.125%
HK$102,858
baseline
▲ 0.50% · 4.625%
HK$109,116
+HK$6,258/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$205,716/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,676
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$110,564
−HK$2,929/mo
Today · 4.125%
HK$113,493
baseline
▲ 0.50% · 4.625%
HK$119,476
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$226,986/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,442
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,313
−HK$3,933/mo
Today · 4.125%
HK$132,246
baseline
▲ 0.50% · 4.625%
HK$140,292
+HK$8,046/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,492/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,440
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,153
−HK$3,767/mo
Today · 4.125%
HK$145,920
baseline
▲ 0.50% · 4.625%
HK$153,612
+HK$7,692/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,840/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,545 · Scale 2, in force from 26 Feb 2026)