LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,332
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,488
−HK$2,192/mo
Today · 4.125%
HK$73,680
baseline
▲ 0.50% · 4.625%
HK$78,163
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,360/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,131
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,200
−HK$2,098/mo
Today · 4.125%
HK$81,298
baseline
▲ 0.50% · 4.625%
HK$85,583
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,596/mo (50% DSR)
Upfront cash ≈ HK$16.49M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,629/mo
Today · 4.125%
HK$88,415
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,830/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,557
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,040
−HK$2,518/mo
Today · 4.125%
HK$97,558
baseline
▲ 0.50% · 4.625%
HK$102,700
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,116/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,065
−HK$6,086/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$3,067/mo
Today · 4.125%
HK$103,151
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$6,277/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,302/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,983
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,879
−HK$2,938/mo
Today · 4.125%
HK$113,817
baseline
▲ 0.50% · 4.625%
HK$119,817
+HK$6,000/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,634/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,797
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,679
−HK$3,944/mo
Today · 4.125%
HK$132,623
baseline
▲ 0.50% · 4.625%
HK$140,693
+HK$8,070/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,246/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,836
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,559
−HK$3,778/mo
Today · 4.125%
HK$146,337
baseline
▲ 0.50% · 4.625%
HK$154,050
+HK$7,713/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$292,674/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,225 · Scale 2, in force from 26 Feb 2026)