LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,270
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$2,189/mo
Today · 4.125%
HK$73,614
baseline
▲ 0.50% · 4.625%
HK$78,093
+HK$4,479/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,228/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,062
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,129
−HK$2,097/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$85,507
+HK$4,281/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,124
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$85,710
−HK$2,627/mo
Today · 4.125%
HK$88,337
baseline
▲ 0.50% · 4.625%
HK$93,712
+HK$5,375/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,674/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,475
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$94,955
−HK$2,516/mo
Today · 4.125%
HK$97,471
baseline
▲ 0.50% · 4.625%
HK$102,609
+HK$5,138/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,942/mo (50% DSR)
Upfront cash ≈ HK$13.44M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,978
−HK$6,082/mo
▼ 0.25% · 3.875%
HK$99,995
−HK$3,065/mo
Today · 4.125%
HK$103,060
baseline
▲ 0.50% · 4.625%
HK$109,331
+HK$6,271/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$206,120/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,887
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$110,781
−HK$2,935/mo
Today · 4.125%
HK$113,716
baseline
▲ 0.50% · 4.625%
HK$119,710
+HK$5,994/mo
Deposit HK$9.11M · loan HK$21.26M · min. income ≈ HK$227,432/mo (50% DSR)
Upfront cash ≈ HK$10.40M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,686
−HK$7,819/mo
▼ 0.25% · 3.875%
HK$128,565
−HK$3,940/mo
Today · 4.125%
HK$132,505
baseline
▲ 0.50% · 4.625%
HK$140,568
+HK$8,063/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$265,010/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,712
−HK$7,495/mo
▼ 0.25% · 3.875%
HK$142,433
−HK$3,774/mo
Today · 4.125%
HK$146,207
baseline
▲ 0.50% · 4.625%
HK$153,913
+HK$7,706/mo
Deposit HK$3.04M · loan HK$27.34M · min. income ≈ HK$292,414/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,077 · Scale 2, in force from 26 Feb 2026)