LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,292
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,448
−HK$2,189/mo
Today · 4.125%
HK$73,637
baseline
▲ 0.50% · 4.625%
HK$78,118
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,274/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,087
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,154
−HK$2,098/mo
Today · 4.125%
HK$81,252
baseline
▲ 0.50% · 4.625%
HK$85,534
+HK$4,282/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,504/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,151
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,737
−HK$2,628/mo
Today · 4.125%
HK$88,365
baseline
▲ 0.50% · 4.625%
HK$93,742
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,730/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,504
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,985
−HK$2,517/mo
Today · 4.125%
HK$97,502
baseline
▲ 0.50% · 4.625%
HK$102,641
+HK$5,139/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,004/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,009
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,027
−HK$3,065/mo
Today · 4.125%
HK$103,092
baseline
▲ 0.50% · 4.625%
HK$109,365
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,184/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,922
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$110,816
−HK$2,936/mo
Today · 4.125%
HK$113,752
baseline
▲ 0.50% · 4.625%
HK$119,748
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,504/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,726
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,606
−HK$3,941/mo
Today · 4.125%
HK$132,547
baseline
▲ 0.50% · 4.625%
HK$140,612
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,094/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,756
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,478
−HK$3,775/mo
Today · 4.125%
HK$146,253
baseline
▲ 0.50% · 4.625%
HK$153,962
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,506/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,485 · Scale 2, in force from 26 Feb 2026)