LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,339
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$2,191/mo
Today · 4.125%
HK$73,687
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$4,484/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,374/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,139
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,208
−HK$2,099/mo
Today · 4.125%
HK$81,307
baseline
▲ 0.50% · 4.625%
HK$85,593
+HK$4,286/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,614/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,207
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,630/mo
Today · 4.125%
HK$88,425
baseline
▲ 0.50% · 4.625%
HK$93,805
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,850/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,567
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,050
−HK$2,518/mo
Today · 4.125%
HK$97,568
baseline
▲ 0.50% · 4.625%
HK$102,711
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,136/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,075
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,094
−HK$3,068/mo
Today · 4.125%
HK$103,162
baseline
▲ 0.50% · 4.625%
HK$109,440
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,324/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,995
−HK$5,834/mo
▼ 0.25% · 3.875%
HK$110,891
−HK$2,938/mo
Today · 4.125%
HK$113,829
baseline
▲ 0.50% · 4.625%
HK$119,830
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,658/mo (50% DSR)
Upfront cash ≈ HK$10.41M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,811
−HK$7,826/mo
▼ 0.25% · 3.875%
HK$128,693
−HK$3,944/mo
Today · 4.125%
HK$132,637
baseline
▲ 0.50% · 4.625%
HK$140,708
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,274/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,851
−HK$7,501/mo
▼ 0.25% · 3.875%
HK$142,574
−HK$3,778/mo
Today · 4.125%
HK$146,352
baseline
▲ 0.50% · 4.625%
HK$154,067
+HK$7,715/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,704/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,362 · Scale 2, in force from 26 Feb 2026)