LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,265
−HK$4,343/mo
▼ 0.25% · 3.875%
HK$71,419
−HK$2,189/mo
Today · 4.125%
HK$73,608
baseline
▲ 0.50% · 4.625%
HK$78,087
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,216/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,056
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,123
−HK$2,096/mo
Today · 4.125%
HK$81,219
baseline
▲ 0.50% · 4.625%
HK$85,500
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,438/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,118
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$85,703
−HK$2,627/mo
Today · 4.125%
HK$88,330
baseline
▲ 0.50% · 4.625%
HK$93,704
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,660/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,467
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,947
−HK$2,516/mo
Today · 4.125%
HK$97,463
baseline
▲ 0.50% · 4.625%
HK$102,601
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,926/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,970
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,987
−HK$3,064/mo
Today · 4.125%
HK$103,051
baseline
▲ 0.50% · 4.625%
HK$109,322
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,102/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,879
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,772
−HK$2,935/mo
Today · 4.125%
HK$113,707
baseline
▲ 0.50% · 4.625%
HK$119,701
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,414/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,676
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,554
−HK$3,941/mo
Today · 4.125%
HK$132,495
baseline
▲ 0.50% · 4.625%
HK$140,557
+HK$8,062/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,990/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,701
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,421
−HK$3,774/mo
Today · 4.125%
HK$146,195
baseline
▲ 0.50% · 4.625%
HK$153,901
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,390/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,972 · Scale 2, in force from 26 Feb 2026)