LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,296
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$71,451
−HK$2,190/mo
Today · 4.125%
HK$73,641
baseline
▲ 0.50% · 4.625%
HK$78,122
+HK$4,481/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$147,282/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,091
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,158
−HK$2,098/mo
Today · 4.125%
HK$81,256
baseline
▲ 0.50% · 4.625%
HK$85,539
+HK$4,283/mo
Deposit HK$15.19M · loan HK$15.19M · min. income ≈ HK$162,512/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,155
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,741
−HK$2,628/mo
Today · 4.125%
HK$88,369
baseline
▲ 0.50% · 4.625%
HK$93,746
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,738/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,509
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,990
−HK$2,517/mo
Today · 4.125%
HK$97,507
baseline
▲ 0.50% · 4.625%
HK$102,646
+HK$5,139/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,014/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,014
−HK$6,083/mo
▼ 0.25% · 3.875%
HK$100,032
−HK$3,065/mo
Today · 4.125%
HK$103,097
baseline
▲ 0.50% · 4.625%
HK$109,371
+HK$6,274/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,194/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,927
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,821
−HK$2,937/mo
Today · 4.125%
HK$113,758
baseline
▲ 0.50% · 4.625%
HK$119,754
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,516/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,732
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,612
−HK$3,942/mo
Today · 4.125%
HK$132,554
baseline
▲ 0.50% · 4.625%
HK$140,619
+HK$8,065/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,108/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,763
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,485
−HK$3,775/mo
Today · 4.125%
HK$146,260
baseline
▲ 0.50% · 4.625%
HK$153,970
+HK$7,710/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,520/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,550 · Scale 2, in force from 26 Feb 2026)