LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,293
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,449
−HK$2,190/mo
Today · 4.125%
HK$73,639
baseline
▲ 0.50% · 4.625%
HK$78,119
+HK$4,480/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,278/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,088
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,155
−HK$2,098/mo
Today · 4.125%
HK$81,253
baseline
▲ 0.50% · 4.625%
HK$85,536
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,506/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,152
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,738
−HK$2,628/mo
Today · 4.125%
HK$88,366
baseline
▲ 0.50% · 4.625%
HK$93,743
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,732/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,506
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$94,987
−HK$2,516/mo
Today · 4.125%
HK$97,503
baseline
▲ 0.50% · 4.625%
HK$102,643
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,006/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,010
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,028
−HK$3,066/mo
Today · 4.125%
HK$103,094
baseline
▲ 0.50% · 4.625%
HK$109,367
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,188/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,923
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,818
−HK$2,936/mo
Today · 4.125%
HK$113,754
baseline
▲ 0.50% · 4.625%
HK$119,750
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,508/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,728
−HK$7,821/mo
▼ 0.25% · 3.875%
HK$128,608
−HK$3,941/mo
Today · 4.125%
HK$132,549
baseline
▲ 0.50% · 4.625%
HK$140,615
+HK$8,066/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,098/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,758
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,480
−HK$3,775/mo
Today · 4.125%
HK$146,255
baseline
▲ 0.50% · 4.625%
HK$153,964
+HK$7,709/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,510/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,505 · Scale 2, in force from 26 Feb 2026)