LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,342
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$71,498
−HK$2,192/mo
Today · 4.125%
HK$73,690
baseline
▲ 0.50% · 4.625%
HK$78,174
+HK$4,484/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$147,380/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,142
−HK$4,167/mo
▼ 0.25% · 3.875%
HK$79,211
−HK$2,098/mo
Today · 4.125%
HK$81,309
baseline
▲ 0.50% · 4.625%
HK$85,595
+HK$4,286/mo
Deposit HK$15.20M · loan HK$15.20M · min. income ≈ HK$162,618/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,210
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$85,798
−HK$2,630/mo
Today · 4.125%
HK$88,428
baseline
▲ 0.50% · 4.625%
HK$93,808
+HK$5,380/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$176,856/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,570
−HK$5,001/mo
▼ 0.25% · 3.875%
HK$95,053
−HK$2,518/mo
Today · 4.125%
HK$97,571
baseline
▲ 0.50% · 4.625%
HK$102,714
+HK$5,143/mo
Deposit HK$12.16M · loan HK$18.25M · min. income ≈ HK$195,142/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,078
−HK$6,088/mo
▼ 0.25% · 3.875%
HK$100,098
−HK$3,068/mo
Today · 4.125%
HK$103,166
baseline
▲ 0.50% · 4.625%
HK$109,443
+HK$6,277/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,332/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,998
−HK$5,835/mo
▼ 0.25% · 3.875%
HK$110,895
−HK$2,938/mo
Today · 4.125%
HK$113,833
baseline
▲ 0.50% · 4.625%
HK$119,834
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,666/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,815
−HK$7,827/mo
▼ 0.25% · 3.875%
HK$128,697
−HK$3,945/mo
Today · 4.125%
HK$132,642
baseline
▲ 0.50% · 4.625%
HK$140,713
+HK$8,071/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,284/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,855
−HK$7,502/mo
▼ 0.25% · 3.875%
HK$142,579
−HK$3,778/mo
Today · 4.125%
HK$146,357
baseline
▲ 0.50% · 4.625%
HK$154,072
+HK$7,715/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,714/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,405 · Scale 2, in force from 26 Feb 2026)