LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,327
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,484
−HK$2,191/mo
Today · 4.125%
HK$73,675
baseline
▲ 0.50% · 4.625%
HK$78,158
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,350/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,126
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,195
−HK$2,098/mo
Today · 4.125%
HK$81,293
baseline
▲ 0.50% · 4.625%
HK$85,578
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,586/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,193
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,781
−HK$2,629/mo
Today · 4.125%
HK$88,410
baseline
▲ 0.50% · 4.625%
HK$93,789
+HK$5,379/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,820/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,551
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,034
−HK$2,518/mo
Today · 4.125%
HK$97,552
baseline
▲ 0.50% · 4.625%
HK$102,694
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,104/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,058
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,078
−HK$3,067/mo
Today · 4.125%
HK$103,145
baseline
▲ 0.50% · 4.625%
HK$109,421
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,290/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,977
−HK$5,833/mo
▼ 0.25% · 3.875%
HK$110,872
−HK$2,938/mo
Today · 4.125%
HK$113,810
baseline
▲ 0.50% · 4.625%
HK$119,809
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,620/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,789
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,671
−HK$3,944/mo
Today · 4.125%
HK$132,615
baseline
▲ 0.50% · 4.625%
HK$140,684
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,230/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,827
−HK$7,500/mo
▼ 0.25% · 3.875%
HK$142,550
−HK$3,777/mo
Today · 4.125%
HK$146,327
baseline
▲ 0.50% · 4.625%
HK$154,041
+HK$7,714/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,654/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,144 · Scale 2, in force from 26 Feb 2026)