LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,224
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,377
−HK$2,188/mo
Today · 4.125%
HK$73,565
baseline
▲ 0.50% · 4.625%
HK$78,041
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,130/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,011
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$79,076
−HK$2,095/mo
Today · 4.125%
HK$81,171
baseline
▲ 0.50% · 4.625%
HK$85,450
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,342/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,069
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,652
−HK$2,626/mo
Today · 4.125%
HK$88,278
baseline
▲ 0.50% · 4.625%
HK$93,649
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$176,556/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,413
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,891
−HK$2,515/mo
Today · 4.125%
HK$97,406
baseline
▲ 0.50% · 4.625%
HK$102,540
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.21M · min. income ≈ HK$194,812/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,913
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,928
−HK$3,063/mo
Today · 4.125%
HK$102,991
baseline
▲ 0.50% · 4.625%
HK$109,257
+HK$6,266/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,982/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,815
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,707
−HK$2,933/mo
Today · 4.125%
HK$113,640
baseline
▲ 0.50% · 4.625%
HK$119,630
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,280/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,603
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,479
−HK$3,938/mo
Today · 4.125%
HK$132,417
baseline
▲ 0.50% · 4.625%
HK$140,474
+HK$8,057/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,834/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,619
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,337
−HK$3,772/mo
Today · 4.125%
HK$146,109
baseline
▲ 0.50% · 4.625%
HK$153,810
+HK$7,701/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,218/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,211 · Scale 2, in force from 26 Feb 2026)