LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,332
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,489
−HK$2,191/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$1,292,228 · 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$85,584
+HK$4,286/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$1,292,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,786
−HK$2,630/mo
Today · 4.125%
HK$88,416
baseline
▲ 0.50% · 4.625%
HK$93,796
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,832/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,228 · 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$1,292,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,065
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$3,068/mo
Today · 4.125%
HK$103,152
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,304/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,984
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,880
−HK$2,938/mo
Today · 4.125%
HK$113,818
baseline
▲ 0.50% · 4.625%
HK$119,817
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,636/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,798
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,680
−HK$3,944/mo
Today · 4.125%
HK$132,624
baseline
▲ 0.50% · 4.625%
HK$140,693
+HK$8,069/mo
Deposit HK$3.04M · loan HK$27.36M · min. income ≈ HK$265,248/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,836
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,560
−HK$3,777/mo
Today · 4.125%
HK$146,337
baseline
▲ 0.50% · 4.625%
HK$154,051
+HK$7,714/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$1,292,228 · Scale 2, in force from 26 Feb 2026)