LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,340
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,497
−HK$2,191/mo
Today · 4.125%
HK$73,688
baseline
▲ 0.50% · 4.625%
HK$78,172
+HK$4,484/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,376/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,140
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,209
−HK$2,099/mo
Today · 4.125%
HK$81,308
baseline
▲ 0.50% · 4.625%
HK$85,594
+HK$4,286/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,616/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,208
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,796
−HK$2,630/mo
Today · 4.125%
HK$88,426
baseline
▲ 0.50% · 4.625%
HK$93,806
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,852/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,568
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,051
−HK$2,518/mo
Today · 4.125%
HK$97,569
baseline
▲ 0.50% · 4.625%
HK$102,712
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,138/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,076
−HK$6,087/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$3,067/mo
Today · 4.125%
HK$103,163
baseline
▲ 0.50% · 4.625%
HK$109,441
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,326/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,996
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,892
−HK$2,939/mo
Today · 4.125%
HK$113,831
baseline
▲ 0.50% · 4.625%
HK$119,831
+HK$6,000/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,662/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,812
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,694
−HK$3,945/mo
Today · 4.125%
HK$132,639
baseline
▲ 0.50% · 4.625%
HK$140,710
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,278/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,852
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,576
−HK$3,778/mo
Today · 4.125%
HK$146,354
baseline
▲ 0.50% · 4.625%
HK$154,068
+HK$7,714/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,708/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,377 · Scale 2, in force from 26 Feb 2026)