LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,220
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,373
−HK$2,188/mo
Today · 4.125%
HK$73,561
baseline
▲ 0.50% · 4.625%
HK$78,037
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,122/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,007
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,072
−HK$2,095/mo
Today · 4.125%
HK$81,167
baseline
▲ 0.50% · 4.625%
HK$85,446
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,334/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,064
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,648
−HK$2,625/mo
Today · 4.125%
HK$88,273
baseline
▲ 0.50% · 4.625%
HK$93,644
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,546/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,408
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,886
−HK$2,515/mo
Today · 4.125%
HK$97,401
baseline
▲ 0.50% · 4.625%
HK$102,535
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,802/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,908
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,923
−HK$3,062/mo
Today · 4.125%
HK$102,985
baseline
▲ 0.50% · 4.625%
HK$109,252
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,970/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,809
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,701
−HK$2,933/mo
Today · 4.125%
HK$113,634
baseline
▲ 0.50% · 4.625%
HK$119,624
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,268/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,596
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,472
−HK$3,938/mo
Today · 4.125%
HK$132,410
baseline
▲ 0.50% · 4.625%
HK$140,466
+HK$8,056/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,820/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,612
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,330
−HK$3,771/mo
Today · 4.125%
HK$146,101
baseline
▲ 0.50% · 4.625%
HK$153,802
+HK$7,701/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,202/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,143 · Scale 2, in force from 26 Feb 2026)