LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,312
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$71,468
−HK$2,190/mo
Today · 4.125%
HK$73,658
baseline
▲ 0.50% · 4.625%
HK$78,140
+HK$4,482/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,316/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,108
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,176
−HK$2,098/mo
Today · 4.125%
HK$81,274
baseline
▲ 0.50% · 4.625%
HK$85,558
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,548/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,761
−HK$2,629/mo
Today · 4.125%
HK$88,390
baseline
▲ 0.50% · 4.625%
HK$93,768
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,780/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,530
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,012
−HK$2,517/mo
Today · 4.125%
HK$97,529
baseline
▲ 0.50% · 4.625%
HK$102,670
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,058/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,036
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,055
−HK$3,066/mo
Today · 4.125%
HK$103,121
baseline
▲ 0.50% · 4.625%
HK$109,396
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,242/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,952
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,847
−HK$2,937/mo
Today · 4.125%
HK$113,784
baseline
▲ 0.50% · 4.625%
HK$119,782
+HK$5,998/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,568/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,761
−HK$7,823/mo
▼ 0.25% · 3.875%
HK$128,642
−HK$3,942/mo
Today · 4.125%
HK$132,584
baseline
▲ 0.50% · 4.625%
HK$140,652
+HK$8,068/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,168/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,795
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,518
−HK$3,776/mo
Today · 4.125%
HK$146,294
baseline
▲ 0.50% · 4.625%
HK$154,005
+HK$7,711/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,588/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,847 · Scale 2, in force from 26 Feb 2026)