LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,194
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$2,186/mo
Today · 4.125%
HK$73,533
baseline
▲ 0.50% · 4.625%
HK$78,008
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,066/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,978
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,042
−HK$2,095/mo
Today · 4.125%
HK$81,137
baseline
▲ 0.50% · 4.625%
HK$85,414
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,274/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,033
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,616
−HK$2,624/mo
Today · 4.125%
HK$88,240
baseline
▲ 0.50% · 4.625%
HK$93,609
+HK$5,369/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,480/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,373
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$94,851
−HK$2,513/mo
Today · 4.125%
HK$97,364
baseline
▲ 0.50% · 4.625%
HK$102,496
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,728/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,872
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,885
−HK$3,062/mo
Today · 4.125%
HK$102,947
baseline
▲ 0.50% · 4.625%
HK$109,211
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,894/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,769
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$110,659
−HK$2,932/mo
Today · 4.125%
HK$113,591
baseline
▲ 0.50% · 4.625%
HK$119,579
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,182/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,550
−HK$7,810/mo
▼ 0.25% · 3.875%
HK$128,424
−HK$3,936/mo
Today · 4.125%
HK$132,360
baseline
▲ 0.50% · 4.625%
HK$140,414
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,720/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,560
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$142,276
−HK$3,770/mo
Today · 4.125%
HK$146,046
baseline
▲ 0.50% · 4.625%
HK$153,744
+HK$7,698/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,092/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,660 · Scale 2, in force from 26 Feb 2026)