LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,193
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,345
−HK$2,187/mo
Today · 4.125%
HK$73,532
baseline
▲ 0.50% · 4.625%
HK$78,006
+HK$4,474/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,064/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,976
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,041
−HK$2,094/mo
Today · 4.125%
HK$81,135
baseline
▲ 0.50% · 4.625%
HK$85,412
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,270/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,031
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,614
−HK$2,624/mo
Today · 4.125%
HK$88,238
baseline
▲ 0.50% · 4.625%
HK$93,607
+HK$5,369/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,476/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,371
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,849
−HK$2,513/mo
Today · 4.125%
HK$97,362
baseline
▲ 0.50% · 4.625%
HK$102,494
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,724/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,870
−HK$6,074/mo
▼ 0.25% · 3.875%
HK$99,883
−HK$3,061/mo
Today · 4.125%
HK$102,944
baseline
▲ 0.50% · 4.625%
HK$109,208
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,888/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,767
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,657
−HK$2,932/mo
Today · 4.125%
HK$113,589
baseline
▲ 0.50% · 4.625%
HK$119,576
+HK$5,987/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,178/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,547
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,421
−HK$3,936/mo
Today · 4.125%
HK$132,357
baseline
▲ 0.50% · 4.625%
HK$140,411
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,714/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,557
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,273
−HK$3,770/mo
Today · 4.125%
HK$146,043
baseline
▲ 0.50% · 4.625%
HK$153,741
+HK$7,698/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,086/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,632 · Scale 2, in force from 26 Feb 2026)