LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,266
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,421
−HK$2,189/mo
Today · 4.125%
HK$73,610
baseline
▲ 0.50% · 4.625%
HK$78,089
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,220/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,058
−HK$4,163/mo
▼ 0.25% · 3.875%
HK$79,124
−HK$2,097/mo
Today · 4.125%
HK$81,221
baseline
▲ 0.50% · 4.625%
HK$85,502
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,442/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,119
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,705
−HK$2,627/mo
Today · 4.125%
HK$88,332
baseline
▲ 0.50% · 4.625%
HK$93,706
+HK$5,374/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,664/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,469
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,949
−HK$2,516/mo
Today · 4.125%
HK$97,465
baseline
▲ 0.50% · 4.625%
HK$102,603
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,930/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,972
−HK$6,081/mo
▼ 0.25% · 3.875%
HK$99,989
−HK$3,064/mo
Today · 4.125%
HK$103,053
baseline
▲ 0.50% · 4.625%
HK$109,324
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,106/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,881
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$110,774
−HK$2,935/mo
Today · 4.125%
HK$113,709
baseline
▲ 0.50% · 4.625%
HK$119,703
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,418/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,679
−HK$7,818/mo
▼ 0.25% · 3.875%
HK$128,557
−HK$3,940/mo
Today · 4.125%
HK$132,497
baseline
▲ 0.50% · 4.625%
HK$140,559
+HK$8,062/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$264,994/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,704
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$142,424
−HK$3,774/mo
Today · 4.125%
HK$146,198
baseline
▲ 0.50% · 4.625%
HK$153,904
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,396/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,290,998 · Scale 2, in force from 26 Feb 2026)