LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,247
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$2,189/mo
Today · 4.125%
HK$73,590
baseline
▲ 0.50% · 4.625%
HK$78,067
+HK$4,477/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$147,180/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,037
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,103
−HK$2,096/mo
Today · 4.125%
HK$81,199
baseline
▲ 0.50% · 4.625%
HK$85,479
+HK$4,280/mo
Deposit HK$15.18M · loan HK$15.18M · min. income ≈ HK$162,398/mo (50% DSR)
Upfront cash ≈ HK$16.47M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,097
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$85,682
−HK$2,626/mo
Today · 4.125%
HK$88,308
baseline
▲ 0.50% · 4.625%
HK$93,681
+HK$5,373/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,616/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,444
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,924
−HK$2,515/mo
Today · 4.125%
HK$97,439
baseline
▲ 0.50% · 4.625%
HK$102,575
+HK$5,136/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,878/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,946
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,962
−HK$3,064/mo
Today · 4.125%
HK$103,026
baseline
▲ 0.50% · 4.625%
HK$109,294
+HK$6,268/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,052/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,852
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,744
−HK$2,935/mo
Today · 4.125%
HK$113,679
baseline
▲ 0.50% · 4.625%
HK$119,671
+HK$5,992/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,358/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,645
−HK$7,816/mo
▼ 0.25% · 3.875%
HK$128,522
−HK$3,939/mo
Today · 4.125%
HK$132,461
baseline
▲ 0.50% · 4.625%
HK$140,521
+HK$8,060/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,922/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,666
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$142,385
−HK$3,773/mo
Today · 4.125%
HK$146,158
baseline
▲ 0.50% · 4.625%
HK$153,862
+HK$7,704/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,316/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,649 · Scale 2, in force from 26 Feb 2026)