LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,225
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,378
−HK$2,188/mo
Today · 4.125%
HK$73,566
baseline
▲ 0.50% · 4.625%
HK$78,042
+HK$4,476/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,132/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,012
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,077
−HK$2,096/mo
Today · 4.125%
HK$81,173
baseline
▲ 0.50% · 4.625%
HK$85,451
+HK$4,278/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,346/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,070
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$85,654
−HK$2,625/mo
Today · 4.125%
HK$88,279
baseline
▲ 0.50% · 4.625%
HK$93,651
+HK$5,372/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,558/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,414
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,893
−HK$2,514/mo
Today · 4.125%
HK$97,407
baseline
▲ 0.50% · 4.625%
HK$102,542
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,814/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,915
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,929
−HK$3,063/mo
Today · 4.125%
HK$102,992
baseline
▲ 0.50% · 4.625%
HK$109,259
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,984/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,817
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,708
−HK$2,934/mo
Today · 4.125%
HK$113,642
baseline
▲ 0.50% · 4.625%
HK$119,632
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,284/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,605
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,481
−HK$3,938/mo
Today · 4.125%
HK$132,419
baseline
▲ 0.50% · 4.625%
HK$140,476
+HK$8,057/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,838/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,622
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,339
−HK$3,772/mo
Today · 4.125%
HK$146,111
baseline
▲ 0.50% · 4.625%
HK$153,813
+HK$7,702/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,222/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,232 · Scale 2, in force from 26 Feb 2026)