LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,223
−HK$4,340/mo
▼ 0.25% · 3.875%
HK$71,376
−HK$2,187/mo
Today · 4.125%
HK$73,563
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,126/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,009
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,075
−HK$2,095/mo
Today · 4.125%
HK$81,170
baseline
▲ 0.50% · 4.625%
HK$85,449
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,340/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,067
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,651
−HK$2,625/mo
Today · 4.125%
HK$88,276
baseline
▲ 0.50% · 4.625%
HK$93,647
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,552/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,411
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,890
−HK$2,514/mo
Today · 4.125%
HK$97,404
baseline
▲ 0.50% · 4.625%
HK$102,538
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,808/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,912
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,926
−HK$3,063/mo
Today · 4.125%
HK$102,989
baseline
▲ 0.50% · 4.625%
HK$109,255
+HK$6,266/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,978/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,813
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,705
−HK$2,933/mo
Today · 4.125%
HK$113,638
baseline
▲ 0.50% · 4.625%
HK$119,628
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,276/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,601
−HK$7,813/mo
▼ 0.25% · 3.875%
HK$128,476
−HK$3,938/mo
Today · 4.125%
HK$132,414
baseline
▲ 0.50% · 4.625%
HK$140,471
+HK$8,057/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,828/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,617
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,334
−HK$3,772/mo
Today · 4.125%
HK$146,106
baseline
▲ 0.50% · 4.625%
HK$153,807
+HK$7,701/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,212/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,187 · Scale 2, in force from 26 Feb 2026)