LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,228
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,381
−HK$2,188/mo
Today · 4.125%
HK$73,569
baseline
▲ 0.50% · 4.625%
HK$78,046
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,138/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,015
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,081
−HK$2,095/mo
Today · 4.125%
HK$81,176
baseline
▲ 0.50% · 4.625%
HK$85,455
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,352/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,073
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,658
−HK$2,625/mo
Today · 4.125%
HK$88,283
baseline
▲ 0.50% · 4.625%
HK$93,655
+HK$5,372/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,566/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,418
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$94,897
−HK$2,515/mo
Today · 4.125%
HK$97,412
baseline
▲ 0.50% · 4.625%
HK$102,546
+HK$5,134/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,824/mo (50% DSR)
Upfront cash ≈ HK$13.43M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,919
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,934
−HK$3,063/mo
Today · 4.125%
HK$102,997
baseline
▲ 0.50% · 4.625%
HK$109,264
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$205,994/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,821
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,713
−HK$2,934/mo
Today · 4.125%
HK$113,647
baseline
▲ 0.50% · 4.625%
HK$119,637
+HK$5,990/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,294/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,610
−HK$7,814/mo
▼ 0.25% · 3.875%
HK$128,486
−HK$3,938/mo
Today · 4.125%
HK$132,424
baseline
▲ 0.50% · 4.625%
HK$140,482
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$264,848/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,628
−HK$7,489/mo
▼ 0.25% · 3.875%
HK$142,346
−HK$3,771/mo
Today · 4.125%
HK$146,117
baseline
▲ 0.50% · 4.625%
HK$153,819
+HK$7,702/mo
Deposit HK$3.04M · loan HK$27.32M · min. income ≈ HK$292,234/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,288 · Scale 2, in force from 26 Feb 2026)