LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,289
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,444
−HK$2,190/mo
Today · 4.125%
HK$73,634
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,268/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,083
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,150
−HK$2,097/mo
Today · 4.125%
HK$81,247
baseline
▲ 0.50% · 4.625%
HK$85,530
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,494/mo (50% DSR)
Upfront cash ≈ HK$16.48M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,146
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,733
−HK$2,627/mo
Today · 4.125%
HK$88,360
baseline
▲ 0.50% · 4.625%
HK$93,737
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,720/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,499
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,980
−HK$2,517/mo
Today · 4.125%
HK$97,497
baseline
▲ 0.50% · 4.625%
HK$102,636
+HK$5,139/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$194,994/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,004
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,021
−HK$3,066/mo
Today · 4.125%
HK$103,087
baseline
▲ 0.50% · 4.625%
HK$109,360
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,174/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,916
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,810
−HK$2,936/mo
Today · 4.125%
HK$113,746
baseline
▲ 0.50% · 4.625%
HK$119,742
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,492/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,720
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,599
−HK$3,942/mo
Today · 4.125%
HK$132,541
baseline
▲ 0.50% · 4.625%
HK$140,605
+HK$8,064/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,082/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,749
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,470
−HK$3,775/mo
Today · 4.125%
HK$146,245
baseline
▲ 0.50% · 4.625%
HK$153,954
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,490/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,420 · Scale 2, in force from 26 Feb 2026)