LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,137
−HK$4,335/mo
▼ 0.25% · 3.875%
HK$71,287
−HK$2,185/mo
Today · 4.125%
HK$73,472
baseline
▲ 0.50% · 4.625%
HK$77,943
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,944/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,914
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,977
−HK$2,092/mo
Today · 4.125%
HK$81,069
baseline
▲ 0.50% · 4.625%
HK$85,343
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,138/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,964
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,545
−HK$2,622/mo
Today · 4.125%
HK$88,167
baseline
▲ 0.50% · 4.625%
HK$93,531
+HK$5,364/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,334/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,297
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$94,772
−HK$2,511/mo
Today · 4.125%
HK$97,283
baseline
▲ 0.50% · 4.625%
HK$102,411
+HK$5,128/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,566/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,791
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,802
−HK$3,059/mo
Today · 4.125%
HK$102,861
baseline
▲ 0.50% · 4.625%
HK$109,120
+HK$6,259/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$205,722/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,679
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,567
−HK$2,930/mo
Today · 4.125%
HK$113,497
baseline
▲ 0.50% · 4.625%
HK$119,480
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.22M · min. income ≈ HK$226,994/mo (50% DSR)
Upfront cash ≈ HK$10.38M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,446
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,317
−HK$3,933/mo
Today · 4.125%
HK$132,250
baseline
▲ 0.50% · 4.625%
HK$140,297
+HK$8,047/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,500/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,445
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,158
−HK$3,767/mo
Today · 4.125%
HK$145,925
baseline
▲ 0.50% · 4.625%
HK$153,617
+HK$7,692/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,850/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,588 · Scale 2, in force from 26 Feb 2026)