LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,218
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,371
−HK$2,187/mo
Today · 4.125%
HK$73,558
baseline
▲ 0.50% · 4.625%
HK$78,034
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,116/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,004
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,069
−HK$2,095/mo
Today · 4.125%
HK$81,164
baseline
▲ 0.50% · 4.625%
HK$85,443
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,328/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,061
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,645
−HK$2,625/mo
Today · 4.125%
HK$88,270
baseline
▲ 0.50% · 4.625%
HK$93,641
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,540/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,405
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$94,883
−HK$2,514/mo
Today · 4.125%
HK$97,397
baseline
▲ 0.50% · 4.625%
HK$102,531
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,794/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,905
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,919
−HK$3,063/mo
Today · 4.125%
HK$102,982
baseline
▲ 0.50% · 4.625%
HK$109,248
+HK$6,266/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,964/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,806
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$110,697
−HK$2,933/mo
Today · 4.125%
HK$113,630
baseline
▲ 0.50% · 4.625%
HK$119,620
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,260/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,592
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,467
−HK$3,938/mo
Today · 4.125%
HK$132,405
baseline
▲ 0.50% · 4.625%
HK$140,461
+HK$8,056/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,810/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,607
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,325
−HK$3,771/mo
Today · 4.125%
HK$146,096
baseline
▲ 0.50% · 4.625%
HK$153,797
+HK$7,701/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,192/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,098 · Scale 2, in force from 26 Feb 2026)