LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,327
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$71,483
−HK$2,191/mo
Today · 4.125%
HK$73,674
baseline
▲ 0.50% · 4.625%
HK$78,157
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,348/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,166/mo
▼ 0.25% · 3.875%
HK$79,194
−HK$2,098/mo
Today · 4.125%
HK$81,292
baseline
▲ 0.50% · 4.625%
HK$85,577
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,584/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,192
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,780
−HK$2,629/mo
Today · 4.125%
HK$88,409
baseline
▲ 0.50% · 4.625%
HK$93,789
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,818/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,551
−HK$5,000/mo
▼ 0.25% · 3.875%
HK$95,033
−HK$2,518/mo
Today · 4.125%
HK$97,551
baseline
▲ 0.50% · 4.625%
HK$102,693
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,102/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,058
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,077
−HK$3,067/mo
Today · 4.125%
HK$103,144
baseline
▲ 0.50% · 4.625%
HK$109,420
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,288/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,976
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,872
−HK$2,937/mo
Today · 4.125%
HK$113,809
baseline
▲ 0.50% · 4.625%
HK$119,808
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,618/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,789
−HK$7,825/mo
▼ 0.25% · 3.875%
HK$128,670
−HK$3,944/mo
Today · 4.125%
HK$132,614
baseline
▲ 0.50% · 4.625%
HK$140,683
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,228/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,826
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,549
−HK$3,777/mo
Today · 4.125%
HK$146,326
baseline
▲ 0.50% · 4.625%
HK$154,039
+HK$7,713/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,652/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,134 · Scale 2, in force from 26 Feb 2026)