LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,313
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,470
−HK$2,190/mo
Today · 4.125%
HK$73,660
baseline
▲ 0.50% · 4.625%
HK$78,142
+HK$4,482/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,320/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,111
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,179
−HK$2,098/mo
Today · 4.125%
HK$81,277
baseline
▲ 0.50% · 4.625%
HK$85,561
+HK$4,284/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,554/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,176
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,763
−HK$2,629/mo
Today · 4.125%
HK$88,392
baseline
▲ 0.50% · 4.625%
HK$93,770
+HK$5,378/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,784/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,533
−HK$4,999/mo
▼ 0.25% · 3.875%
HK$95,014
−HK$2,518/mo
Today · 4.125%
HK$97,532
baseline
▲ 0.50% · 4.625%
HK$102,673
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,064/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,039
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,057
−HK$3,067/mo
Today · 4.125%
HK$103,124
baseline
▲ 0.50% · 4.625%
HK$109,399
+HK$6,275/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,248/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,955
−HK$5,832/mo
▼ 0.25% · 3.875%
HK$110,850
−HK$2,937/mo
Today · 4.125%
HK$113,787
baseline
▲ 0.50% · 4.625%
HK$119,785
+HK$5,998/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,574/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,764
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,645
−HK$3,943/mo
Today · 4.125%
HK$132,588
baseline
▲ 0.50% · 4.625%
HK$140,656
+HK$8,068/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,176/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,799
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,521
−HK$3,777/mo
Today · 4.125%
HK$146,298
baseline
▲ 0.50% · 4.625%
HK$154,009
+HK$7,711/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,596/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,882 · Scale 2, in force from 26 Feb 2026)