LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,145
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,296
−HK$2,185/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,953
+HK$4,472/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$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,923
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,987
−HK$2,092/mo
Today · 4.125%
HK$81,079
baseline
▲ 0.50% · 4.625%
HK$85,353
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,158/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,974
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,555
−HK$2,623/mo
Today · 4.125%
HK$88,178
baseline
▲ 0.50% · 4.625%
HK$93,543
+HK$5,365/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$176,356/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,308
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,784
−HK$2,511/mo
Today · 4.125%
HK$97,295
baseline
▲ 0.50% · 4.625%
HK$102,424
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.19M · min. income ≈ HK$194,590/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,803
−HK$6,071/mo
▼ 0.25% · 3.875%
HK$99,815
−HK$3,059/mo
Today · 4.125%
HK$102,874
baseline
▲ 0.50% · 4.625%
HK$109,134
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,748/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,693
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,581
−HK$2,930/mo
Today · 4.125%
HK$113,511
baseline
▲ 0.50% · 4.625%
HK$119,495
+HK$5,984/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,022/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,462
−HK$7,804/mo
▼ 0.25% · 3.875%
HK$128,333
−HK$3,933/mo
Today · 4.125%
HK$132,266
baseline
▲ 0.50% · 4.625%
HK$140,315
+HK$8,049/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,532/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,462
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,176
−HK$3,767/mo
Today · 4.125%
HK$145,943
baseline
▲ 0.50% · 4.625%
HK$153,636
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,886/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,749 · Scale 2, in force from 26 Feb 2026)