LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,214
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$2,188/mo
Today · 4.125%
HK$73,554
baseline
▲ 0.50% · 4.625%
HK$78,029
+HK$4,475/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,108/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,999
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,064
−HK$2,095/mo
Today · 4.125%
HK$81,159
baseline
▲ 0.50% · 4.625%
HK$85,437
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,318/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,056
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,640
−HK$2,625/mo
Today · 4.125%
HK$88,265
baseline
▲ 0.50% · 4.625%
HK$93,635
+HK$5,370/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,530/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,399
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,877
−HK$2,514/mo
Today · 4.125%
HK$97,391
baseline
▲ 0.50% · 4.625%
HK$102,525
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,782/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,899
−HK$6,076/mo
▼ 0.25% · 3.875%
HK$99,913
−HK$3,062/mo
Today · 4.125%
HK$102,975
baseline
▲ 0.50% · 4.625%
HK$109,241
+HK$6,266/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,950/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,799
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,690
−HK$2,933/mo
Today · 4.125%
HK$113,623
baseline
▲ 0.50% · 4.625%
HK$119,612
+HK$5,989/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,246/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,584
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,460
−HK$3,937/mo
Today · 4.125%
HK$132,397
baseline
▲ 0.50% · 4.625%
HK$140,453
+HK$8,056/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,794/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,599
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$142,316
−HK$3,771/mo
Today · 4.125%
HK$146,087
baseline
▲ 0.50% · 4.625%
HK$153,787
+HK$7,700/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,174/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,020 · Scale 2, in force from 26 Feb 2026)