LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,149
−HK$4,336/mo
▼ 0.25% · 3.875%
HK$71,300
−HK$2,185/mo
Today · 4.125%
HK$73,485
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,970/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,928
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$78,991
−HK$2,093/mo
Today · 4.125%
HK$81,084
baseline
▲ 0.50% · 4.625%
HK$85,358
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,168/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,979
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$85,560
−HK$2,622/mo
Today · 4.125%
HK$88,182
baseline
▲ 0.50% · 4.625%
HK$93,548
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,364/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,313
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$94,789
−HK$2,511/mo
Today · 4.125%
HK$97,300
baseline
▲ 0.50% · 4.625%
HK$102,429
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,600/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,809
−HK$6,070/mo
▼ 0.25% · 3.875%
HK$99,820
−HK$3,059/mo
Today · 4.125%
HK$102,879
baseline
▲ 0.50% · 4.625%
HK$109,139
+HK$6,260/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,758/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,699
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$110,587
−HK$2,930/mo
Today · 4.125%
HK$113,517
baseline
▲ 0.50% · 4.625%
HK$119,501
+HK$5,984/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,034/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,468
−HK$7,805/mo
▼ 0.25% · 3.875%
HK$128,340
−HK$3,933/mo
Today · 4.125%
HK$132,273
baseline
▲ 0.50% · 4.625%
HK$140,322
+HK$8,049/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$264,546/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,470
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$142,183
−HK$3,768/mo
Today · 4.125%
HK$145,951
baseline
▲ 0.50% · 4.625%
HK$153,644
+HK$7,693/mo
Deposit HK$3.03M · loan HK$27.29M · min. income ≈ HK$291,902/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,288,817 · Scale 2, in force from 26 Feb 2026)