LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,318
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,475
−HK$2,190/mo
Today · 4.125%
HK$73,665
baseline
▲ 0.50% · 4.625%
HK$78,148
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,330/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,116
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,184
−HK$2,098/mo
Today · 4.125%
HK$81,282
baseline
▲ 0.50% · 4.625%
HK$85,567
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,564/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,182
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$85,769
−HK$2,629/mo
Today · 4.125%
HK$88,398
baseline
▲ 0.50% · 4.625%
HK$93,777
+HK$5,379/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,796/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,539
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,021
−HK$2,518/mo
Today · 4.125%
HK$97,539
baseline
▲ 0.50% · 4.625%
HK$102,680
+HK$5,141/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,078/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,046
−HK$6,085/mo
▼ 0.25% · 3.875%
HK$100,064
−HK$3,067/mo
Today · 4.125%
HK$103,131
baseline
▲ 0.50% · 4.625%
HK$109,407
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,262/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,962
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,858
−HK$2,937/mo
Today · 4.125%
HK$113,795
baseline
▲ 0.50% · 4.625%
HK$119,794
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,590/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,773
−HK$7,824/mo
▼ 0.25% · 3.875%
HK$128,654
−HK$3,943/mo
Today · 4.125%
HK$132,597
baseline
▲ 0.50% · 4.625%
HK$140,666
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,194/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,809
−HK$7,499/mo
▼ 0.25% · 3.875%
HK$142,532
−HK$3,776/mo
Today · 4.125%
HK$146,308
baseline
▲ 0.50% · 4.625%
HK$154,020
+HK$7,712/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,616/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,291,974 · Scale 2, in force from 26 Feb 2026)