LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,310
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,466
−HK$2,191/mo
Today · 4.125%
HK$73,657
baseline
▲ 0.50% · 4.625%
HK$78,138
+HK$4,481/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,314/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,107
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,175
−HK$2,098/mo
Today · 4.125%
HK$81,273
baseline
▲ 0.50% · 4.625%
HK$85,557
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,546/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,172
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,759
−HK$2,629/mo
Today · 4.125%
HK$88,388
baseline
▲ 0.50% · 4.625%
HK$93,766
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,776/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,528
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,010
−HK$2,517/mo
Today · 4.125%
HK$97,527
baseline
▲ 0.50% · 4.625%
HK$102,668
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,054/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,034
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,053
−HK$3,066/mo
Today · 4.125%
HK$103,119
baseline
▲ 0.50% · 4.625%
HK$109,394
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,238/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,950
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,845
−HK$2,937/mo
Today · 4.125%
HK$113,782
baseline
▲ 0.50% · 4.625%
HK$119,779
+HK$5,997/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,564/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,758
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,639
−HK$3,943/mo
Today · 4.125%
HK$132,582
baseline
▲ 0.50% · 4.625%
HK$140,649
+HK$8,067/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,164/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,792
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,515
−HK$3,776/mo
Today · 4.125%
HK$146,291
baseline
▲ 0.50% · 4.625%
HK$154,002
+HK$7,711/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,582/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,822 · Scale 2, in force from 26 Feb 2026)