LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,159
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,310
−HK$2,186/mo
Today · 4.125%
HK$73,496
baseline
▲ 0.50% · 4.625%
HK$77,968
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,992/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,939
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$79,002
−HK$2,093/mo
Today · 4.125%
HK$81,095
baseline
▲ 0.50% · 4.625%
HK$85,370
+HK$4,275/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,190/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,991
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,572
−HK$2,623/mo
Today · 4.125%
HK$88,195
baseline
▲ 0.50% · 4.625%
HK$93,561
+HK$5,366/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,390/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,326
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,802
−HK$2,512/mo
Today · 4.125%
HK$97,314
baseline
▲ 0.50% · 4.625%
HK$102,444
+HK$5,130/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,628/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,822
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,834
−HK$3,060/mo
Today · 4.125%
HK$102,894
baseline
▲ 0.50% · 4.625%
HK$109,155
+HK$6,261/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,788/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,714
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,603
−HK$2,930/mo
Today · 4.125%
HK$113,533
baseline
▲ 0.50% · 4.625%
HK$119,518
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,066/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,486
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,358
−HK$3,934/mo
Today · 4.125%
HK$132,292
baseline
▲ 0.50% · 4.625%
HK$140,342
+HK$8,050/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,584/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,489
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,204
−HK$3,768/mo
Today · 4.125%
HK$145,972
baseline
▲ 0.50% · 4.625%
HK$153,666
+HK$7,694/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,944/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,002 · Scale 2, in force from 26 Feb 2026)