LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,227
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,380
−HK$2,188/mo
Today · 4.125%
HK$73,568
baseline
▲ 0.50% · 4.625%
HK$78,045
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,136/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,014
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,080
−HK$2,095/mo
Today · 4.125%
HK$81,175
baseline
▲ 0.50% · 4.625%
HK$85,454
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,350/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,072
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,656
−HK$2,626/mo
Today · 4.125%
HK$88,282
baseline
▲ 0.50% · 4.625%
HK$93,653
+HK$5,371/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,564/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,417
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,896
−HK$2,514/mo
Today · 4.125%
HK$97,410
baseline
▲ 0.50% · 4.625%
HK$102,545
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,820/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,918
−HK$6,077/mo
▼ 0.25% · 3.875%
HK$99,932
−HK$3,063/mo
Today · 4.125%
HK$102,995
baseline
▲ 0.50% · 4.625%
HK$109,262
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,990/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,820
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$110,712
−HK$2,933/mo
Today · 4.125%
HK$113,645
baseline
▲ 0.50% · 4.625%
HK$119,636
+HK$5,991/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,290/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,609
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,485
−HK$3,938/mo
Today · 4.125%
HK$132,423
baseline
▲ 0.50% · 4.625%
HK$140,480
+HK$8,057/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,846/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,626
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,344
−HK$3,771/mo
Today · 4.125%
HK$146,115
baseline
▲ 0.50% · 4.625%
HK$153,817
+HK$7,702/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,230/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,271 · Scale 2, in force from 26 Feb 2026)