LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,160
−HK$4,337/mo
▼ 0.25% · 3.875%
HK$71,311
−HK$2,186/mo
Today · 4.125%
HK$73,497
baseline
▲ 0.50% · 4.625%
HK$77,969
+HK$4,472/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$146,994/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,940
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$79,003
−HK$2,094/mo
Today · 4.125%
HK$81,097
baseline
▲ 0.50% · 4.625%
HK$85,371
+HK$4,274/mo
Deposit HK$15.16M · loan HK$15.16M · min. income ≈ HK$162,194/mo (50% DSR)
Upfront cash ≈ HK$16.45M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,992
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$85,573
−HK$2,623/mo
Today · 4.125%
HK$88,196
baseline
▲ 0.50% · 4.625%
HK$93,563
+HK$5,367/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$176,392/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,328
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$94,804
−HK$2,512/mo
Today · 4.125%
HK$97,316
baseline
▲ 0.50% · 4.625%
HK$102,445
+HK$5,129/mo
Deposit HK$12.13M · loan HK$18.20M · min. income ≈ HK$194,632/mo (50% DSR)
Upfront cash ≈ HK$13.42M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,824
−HK$6,072/mo
▼ 0.25% · 3.875%
HK$99,836
−HK$3,060/mo
Today · 4.125%
HK$102,896
baseline
▲ 0.50% · 4.625%
HK$109,157
+HK$6,261/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$205,792/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,716
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$110,604
−HK$2,931/mo
Today · 4.125%
HK$113,535
baseline
▲ 0.50% · 4.625%
HK$119,520
+HK$5,985/mo
Deposit HK$9.10M · loan HK$21.23M · min. income ≈ HK$227,070/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,488
−HK$7,806/mo
▼ 0.25% · 3.875%
HK$128,360
−HK$3,934/mo
Today · 4.125%
HK$132,294
baseline
▲ 0.50% · 4.625%
HK$140,344
+HK$8,050/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$264,588/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,491
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$142,206
−HK$3,768/mo
Today · 4.125%
HK$145,974
baseline
▲ 0.50% · 4.625%
HK$153,668
+HK$7,694/mo
Deposit HK$3.03M · loan HK$27.30M · min. income ≈ HK$291,948/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,020 · Scale 2, in force from 26 Feb 2026)