LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,336
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,492
−HK$2,192/mo
Today · 4.125%
HK$73,684
baseline
▲ 0.50% · 4.625%
HK$78,167
+HK$4,483/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,368/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,135
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,204
−HK$2,099/mo
Today · 4.125%
HK$81,303
baseline
▲ 0.50% · 4.625%
HK$85,588
+HK$4,285/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,606/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,203
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$85,791
−HK$2,629/mo
Today · 4.125%
HK$88,420
baseline
▲ 0.50% · 4.625%
HK$93,800
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$176,840/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,562
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,045
−HK$2,518/mo
Today · 4.125%
HK$97,563
baseline
▲ 0.50% · 4.625%
HK$102,706
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.24M · min. income ≈ HK$195,126/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,070
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,089
−HK$3,068/mo
Today · 4.125%
HK$103,157
baseline
▲ 0.50% · 4.625%
HK$109,434
+HK$6,277/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$206,314/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,989
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,885
−HK$2,939/mo
Today · 4.125%
HK$113,824
baseline
▲ 0.50% · 4.625%
HK$119,823
+HK$5,999/mo
Deposit HK$9.12M · loan HK$21.28M · min. income ≈ HK$227,648/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,804
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,686
−HK$3,944/mo
Today · 4.125%
HK$132,630
baseline
▲ 0.50% · 4.625%
HK$140,701
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,260/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,843
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,567
−HK$3,778/mo
Today · 4.125%
HK$146,345
baseline
▲ 0.50% · 4.625%
HK$154,059
+HK$7,714/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,690/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,295 · Scale 2, in force from 26 Feb 2026)