LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,204
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,357
−HK$2,187/mo
Today · 4.125%
HK$73,544
baseline
▲ 0.50% · 4.625%
HK$78,019
+HK$4,475/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$147,088/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,989
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$79,053
−HK$2,095/mo
Today · 4.125%
HK$81,148
baseline
▲ 0.50% · 4.625%
HK$85,426
+HK$4,278/mo
Deposit HK$15.17M · loan HK$15.17M · min. income ≈ HK$162,296/mo (50% DSR)
Upfront cash ≈ HK$16.46M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,045
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$85,628
−HK$2,624/mo
Today · 4.125%
HK$88,252
baseline
▲ 0.50% · 4.625%
HK$93,622
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,504/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,386
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,864
−HK$2,514/mo
Today · 4.125%
HK$97,378
baseline
▲ 0.50% · 4.625%
HK$102,511
+HK$5,133/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,756/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,886
−HK$6,075/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$3,062/mo
Today · 4.125%
HK$102,961
baseline
▲ 0.50% · 4.625%
HK$109,226
+HK$6,265/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$205,922/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,784
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$110,675
−HK$2,932/mo
Today · 4.125%
HK$113,607
baseline
▲ 0.50% · 4.625%
HK$119,596
+HK$5,989/mo
Deposit HK$9.10M · loan HK$21.24M · min. income ≈ HK$227,214/mo (50% DSR)
Upfront cash ≈ HK$10.39M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,567
−HK$7,812/mo
▼ 0.25% · 3.875%
HK$128,442
−HK$3,937/mo
Today · 4.125%
HK$132,379
baseline
▲ 0.50% · 4.625%
HK$140,433
+HK$8,054/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$264,758/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,580
−HK$7,487/mo
▼ 0.25% · 3.875%
HK$142,296
−HK$3,771/mo
Today · 4.125%
HK$146,067
baseline
▲ 0.50% · 4.625%
HK$153,766
+HK$7,699/mo
Deposit HK$3.03M · loan HK$27.31M · min. income ≈ HK$292,134/mo (50% DSR)
Upfront cash ≈ HK$4.32M (deposit + AVD stamp duty HK$1,289,841 · Scale 2, in force from 26 Feb 2026)