LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,334
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,491
−HK$2,191/mo
Today · 4.125%
HK$73,682
baseline
▲ 0.50% · 4.625%
HK$78,165
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,364/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,133
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,202
−HK$2,099/mo
Today · 4.125%
HK$81,301
baseline
▲ 0.50% · 4.625%
HK$85,586
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,602/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,201
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,789
−HK$2,629/mo
Today · 4.125%
HK$88,418
baseline
▲ 0.50% · 4.625%
HK$93,798
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,836/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,560
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,042
−HK$2,519/mo
Today · 4.125%
HK$97,561
baseline
▲ 0.50% · 4.625%
HK$102,703
+HK$5,142/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,122/mo (50% DSR)
Upfront cash ≈ HK$13.45M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,068
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,087
−HK$3,068/mo
Today · 4.125%
HK$103,155
baseline
▲ 0.50% · 4.625%
HK$109,431
+HK$6,276/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,310/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,987
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,883
−HK$2,938/mo
Today · 4.125%
HK$113,821
baseline
▲ 0.50% · 4.625%
HK$119,821
+HK$6,000/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,642/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,801
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,683
−HK$3,944/mo
Today · 4.125%
HK$132,627
baseline
▲ 0.50% · 4.625%
HK$140,697
+HK$8,070/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,254/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,840
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,564
−HK$3,777/mo
Today · 4.125%
HK$146,341
baseline
▲ 0.50% · 4.625%
HK$154,055
+HK$7,714/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,682/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,265 · Scale 2, in force from 26 Feb 2026)