LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,298
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,453
−HK$2,191/mo
Today · 4.125%
HK$73,644
baseline
▲ 0.50% · 4.625%
HK$78,125
+HK$4,481/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,288/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,093
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$79,161
−HK$2,097/mo
Today · 4.125%
HK$81,258
baseline
▲ 0.50% · 4.625%
HK$85,542
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,516/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,158
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$85,744
−HK$2,628/mo
Today · 4.125%
HK$88,372
baseline
▲ 0.50% · 4.625%
HK$93,749
+HK$5,377/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$176,744/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,512
−HK$4,998/mo
▼ 0.25% · 3.875%
HK$94,993
−HK$2,517/mo
Today · 4.125%
HK$97,510
baseline
▲ 0.50% · 4.625%
HK$102,650
+HK$5,140/mo
Deposit HK$12.16M · loan HK$18.23M · min. income ≈ HK$195,020/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,017
−HK$6,084/mo
▼ 0.25% · 3.875%
HK$100,035
−HK$3,066/mo
Today · 4.125%
HK$103,101
baseline
▲ 0.50% · 4.625%
HK$109,374
+HK$6,273/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$206,202/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,931
−HK$5,831/mo
▼ 0.25% · 3.875%
HK$110,825
−HK$2,937/mo
Today · 4.125%
HK$113,762
baseline
▲ 0.50% · 4.625%
HK$119,758
+HK$5,996/mo
Deposit HK$9.12M · loan HK$21.27M · min. income ≈ HK$227,524/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,736
−HK$7,822/mo
▼ 0.25% · 3.875%
HK$128,616
−HK$3,942/mo
Today · 4.125%
HK$132,558
baseline
▲ 0.50% · 4.625%
HK$140,624
+HK$8,066/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$265,116/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,768
−HK$7,497/mo
▼ 0.25% · 3.875%
HK$142,490
−HK$3,775/mo
Today · 4.125%
HK$146,265
baseline
▲ 0.50% · 4.625%
HK$153,975
+HK$7,710/mo
Deposit HK$3.04M · loan HK$27.35M · min. income ≈ HK$292,530/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,593 · Scale 2, in force from 26 Feb 2026)