LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,233
−HK$4,341/mo
▼ 0.25% · 3.875%
HK$71,386
−HK$2,188/mo
Today · 4.125%
HK$73,574
baseline
▲ 0.50% · 4.625%
HK$78,051
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,148/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,021
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,086
−HK$2,096/mo
Today · 4.125%
HK$81,182
baseline
▲ 0.50% · 4.625%
HK$85,461
+HK$4,279/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,364/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,079
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,663
−HK$2,626/mo
Today · 4.125%
HK$88,289
baseline
▲ 0.50% · 4.625%
HK$93,661
+HK$5,372/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$176,578/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,425
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,904
−HK$2,514/mo
Today · 4.125%
HK$97,418
baseline
▲ 0.50% · 4.625%
HK$102,553
+HK$5,135/mo
Deposit HK$12.14M · loan HK$18.22M · min. income ≈ HK$194,836/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,926
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,941
−HK$3,063/mo
Today · 4.125%
HK$103,004
baseline
▲ 0.50% · 4.625%
HK$109,271
+HK$6,267/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$206,008/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,829
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,721
−HK$2,934/mo
Today · 4.125%
HK$113,655
baseline
▲ 0.50% · 4.625%
HK$119,646
+HK$5,991/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,310/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,619
−HK$7,815/mo
▼ 0.25% · 3.875%
HK$128,495
−HK$3,939/mo
Today · 4.125%
HK$132,434
baseline
▲ 0.50% · 4.625%
HK$140,492
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,868/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,637
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,355
−HK$3,772/mo
Today · 4.125%
HK$146,127
baseline
▲ 0.50% · 4.625%
HK$153,830
+HK$7,703/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,254/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,377 · Scale 2, in force from 26 Feb 2026)