LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,284
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,439
−HK$2,190/mo
Today · 4.125%
HK$73,629
baseline
▲ 0.50% · 4.625%
HK$78,109
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,258/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,078
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,145
−HK$2,097/mo
Today · 4.125%
HK$81,242
baseline
▲ 0.50% · 4.625%
HK$85,525
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,484/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,141
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,727
−HK$2,628/mo
Today · 4.125%
HK$88,355
baseline
▲ 0.50% · 4.625%
HK$93,731
+HK$5,376/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,710/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,494
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,974
−HK$2,517/mo
Today · 4.125%
HK$97,491
baseline
▲ 0.50% · 4.625%
HK$102,630
+HK$5,139/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,982/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,998
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$3,066/mo
Today · 4.125%
HK$103,081
baseline
▲ 0.50% · 4.625%
HK$109,353
+HK$6,272/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,162/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,909
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,803
−HK$2,936/mo
Today · 4.125%
HK$113,739
baseline
▲ 0.50% · 4.625%
HK$119,735
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,478/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,712
−HK$7,820/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,941/mo
Today · 4.125%
HK$132,532
baseline
▲ 0.50% · 4.625%
HK$140,596
+HK$8,064/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,064/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,740
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,461
−HK$3,775/mo
Today · 4.125%
HK$146,236
baseline
▲ 0.50% · 4.625%
HK$153,944
+HK$7,708/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,472/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,338 · Scale 2, in force from 26 Feb 2026)