LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,291
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,446
−HK$2,190/mo
Today · 4.125%
HK$73,636
baseline
▲ 0.50% · 4.625%
HK$78,117
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,272/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,086
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$79,153
−HK$2,097/mo
Today · 4.125%
HK$81,250
baseline
▲ 0.50% · 4.625%
HK$85,533
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,500/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,149
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,736
−HK$2,627/mo
Today · 4.125%
HK$88,363
baseline
▲ 0.50% · 4.625%
HK$93,740
+HK$5,377/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$176,726/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,503
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,984
−HK$2,516/mo
Today · 4.125%
HK$97,500
baseline
▲ 0.50% · 4.625%
HK$102,640
+HK$5,140/mo
Deposit HK$12.15M · loan HK$18.23M · min. income ≈ HK$195,000/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,007
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,025
−HK$3,066/mo
Today · 4.125%
HK$103,091
baseline
▲ 0.50% · 4.625%
HK$109,363
+HK$6,272/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,182/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,920
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,814
−HK$2,936/mo
Today · 4.125%
HK$113,750
baseline
▲ 0.50% · 4.625%
HK$119,746
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,500/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,724
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,603
−HK$3,942/mo
Today · 4.125%
HK$132,545
baseline
▲ 0.50% · 4.625%
HK$140,610
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,090/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,754
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$142,475
−HK$3,775/mo
Today · 4.125%
HK$146,250
baseline
▲ 0.50% · 4.625%
HK$153,959
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,500/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,463 · Scale 2, in force from 26 Feb 2026)