LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,202
−HK$4,339/mo
▼ 0.25% · 3.875%
HK$71,354
−HK$2,187/mo
Today · 4.125%
HK$73,541
baseline
▲ 0.50% · 4.625%
HK$78,016
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,082/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,986
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,051
−HK$2,095/mo
Today · 4.125%
HK$81,146
baseline
▲ 0.50% · 4.625%
HK$85,423
+HK$4,277/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,292/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,042
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,625
−HK$2,624/mo
Today · 4.125%
HK$88,249
baseline
▲ 0.50% · 4.625%
HK$93,619
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,498/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,383
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,861
−HK$2,514/mo
Today · 4.125%
HK$97,375
baseline
▲ 0.50% · 4.625%
HK$102,507
+HK$5,132/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,750/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,882
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,896
−HK$3,062/mo
Today · 4.125%
HK$102,958
baseline
▲ 0.50% · 4.625%
HK$109,222
+HK$6,264/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,916/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,781
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,671
−HK$2,933/mo
Today · 4.125%
HK$113,604
baseline
▲ 0.50% · 4.625%
HK$119,592
+HK$5,988/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,208/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,563
−HK$7,811/mo
▼ 0.25% · 3.875%
HK$128,438
−HK$3,936/mo
Today · 4.125%
HK$132,374
baseline
▲ 0.50% · 4.625%
HK$140,429
+HK$8,055/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,748/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,575
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,292
−HK$3,770/mo
Today · 4.125%
HK$146,062
baseline
▲ 0.50% · 4.625%
HK$153,761
+HK$7,699/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,124/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,799 · Scale 2, in force from 26 Feb 2026)