LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,256
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,410
−HK$2,189/mo
Today · 4.125%
HK$73,599
baseline
▲ 0.50% · 4.625%
HK$78,078
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,198/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,047
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$79,113
−HK$2,096/mo
Today · 4.125%
HK$81,209
baseline
▲ 0.50% · 4.625%
HK$85,490
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,418/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,107
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,693
−HK$2,626/mo
Today · 4.125%
HK$88,319
baseline
▲ 0.50% · 4.625%
HK$93,693
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$176,638/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,456
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$94,936
−HK$2,515/mo
Today · 4.125%
HK$97,451
baseline
▲ 0.50% · 4.625%
HK$102,588
+HK$5,137/mo
Deposit HK$12.15M · loan HK$18.22M · min. income ≈ HK$194,902/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,959
−HK$6,080/mo
▼ 0.25% · 3.875%
HK$99,975
−HK$3,064/mo
Today · 4.125%
HK$103,039
baseline
▲ 0.50% · 4.625%
HK$109,309
+HK$6,270/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,078/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,866
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$110,758
−HK$2,935/mo
Today · 4.125%
HK$113,693
baseline
▲ 0.50% · 4.625%
HK$119,686
+HK$5,993/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,386/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,661
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,539
−HK$3,940/mo
Today · 4.125%
HK$132,479
baseline
▲ 0.50% · 4.625%
HK$140,540
+HK$8,061/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$264,958/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,684
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$142,404
−HK$3,773/mo
Today · 4.125%
HK$146,177
baseline
▲ 0.50% · 4.625%
HK$153,882
+HK$7,705/mo
Deposit HK$3.04M · loan HK$27.33M · min. income ≈ HK$292,354/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,815 · Scale 2, in force from 26 Feb 2026)