LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,236
−HK$4,342/mo
▼ 0.25% · 3.875%
HK$71,390
−HK$2,188/mo
Today · 4.125%
HK$73,578
baseline
▲ 0.50% · 4.625%
HK$78,055
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,156/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,025
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$79,091
−HK$2,095/mo
Today · 4.125%
HK$81,186
baseline
▲ 0.50% · 4.625%
HK$85,466
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,372/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,084
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$85,668
−HK$2,626/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$93,666
+HK$5,372/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,430
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$94,909
−HK$2,514/mo
Today · 4.125%
HK$97,423
baseline
▲ 0.50% · 4.625%
HK$102,559
+HK$5,136/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,846/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,931
−HK$6,078/mo
▼ 0.25% · 3.875%
HK$99,946
−HK$3,063/mo
Today · 4.125%
HK$103,009
baseline
▲ 0.50% · 4.625%
HK$109,277
+HK$6,268/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$206,018/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,835
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$110,727
−HK$2,934/mo
Today · 4.125%
HK$113,661
baseline
▲ 0.50% · 4.625%
HK$119,652
+HK$5,991/mo
Deposit HK$9.11M · loan HK$21.25M · min. income ≈ HK$227,322/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,625
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,502
−HK$3,939/mo
Today · 4.125%
HK$132,441
baseline
▲ 0.50% · 4.625%
HK$140,499
+HK$8,058/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,882/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,645
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$142,363
−HK$3,772/mo
Today · 4.125%
HK$146,135
baseline
▲ 0.50% · 4.625%
HK$153,838
+HK$7,703/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,270/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,446 · Scale 2, in force from 26 Feb 2026)