LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,145
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,295
−HK$2,186/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,952
+HK$4,471/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,923
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$78,986
−HK$2,092/mo
Today · 4.125%
HK$81,078
baseline
▲ 0.50% · 4.625%
HK$85,352
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,156/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,973
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,554
−HK$2,623/mo
Today · 4.125%
HK$88,177
baseline
▲ 0.50% · 4.625%
HK$93,542
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,354/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,307
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,783
−HK$2,511/mo
Today · 4.125%
HK$97,294
baseline
▲ 0.50% · 4.625%
HK$102,423
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,588/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,802
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,813
−HK$3,060/mo
Today · 4.125%
HK$102,873
baseline
▲ 0.50% · 4.625%
HK$109,132
+HK$6,259/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,746/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,692
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,580
−HK$2,930/mo
Today · 4.125%
HK$113,510
baseline
▲ 0.50% · 4.625%
HK$119,493
+HK$5,983/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,020/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,460
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,332
−HK$3,933/mo
Today · 4.125%
HK$132,265
baseline
▲ 0.50% · 4.625%
HK$140,313
+HK$8,048/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,530/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,461
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$142,174
−HK$3,767/mo
Today · 4.125%
HK$145,941
baseline
▲ 0.50% · 4.625%
HK$153,634
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,882/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,734 · Scale 2, in force from 26 Feb 2026)