LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,287
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,442
−HK$2,190/mo
Today · 4.125%
HK$73,632
baseline
▲ 0.50% · 4.625%
HK$78,112
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,264/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,081
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,148
−HK$2,097/mo
Today · 4.125%
HK$81,245
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,490/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,144
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,731
−HK$2,627/mo
Today · 4.125%
HK$88,358
baseline
▲ 0.50% · 4.625%
HK$93,735
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,716/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,497
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,978
−HK$2,517/mo
Today · 4.125%
HK$97,495
baseline
▲ 0.50% · 4.625%
HK$102,634
+HK$5,139/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,990/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,002
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,019
−HK$3,066/mo
Today · 4.125%
HK$103,085
baseline
▲ 0.50% · 4.625%
HK$109,357
+HK$6,272/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,170/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,913
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,808
−HK$2,936/mo
Today · 4.125%
HK$113,744
baseline
▲ 0.50% · 4.625%
HK$119,739
+HK$5,995/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,488/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,716
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,596
−HK$3,941/mo
Today · 4.125%
HK$132,537
baseline
▲ 0.50% · 4.625%
HK$140,602
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,074/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,746
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,467
−HK$3,775/mo
Today · 4.125%
HK$146,242
baseline
▲ 0.50% · 4.625%
HK$153,950
+HK$7,708/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,484/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,388 · Scale 2, in force from 26 Feb 2026)