LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,353
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$2,192/mo
Today · 4.125%
HK$73,703
baseline
▲ 0.50% · 4.625%
HK$78,187
+HK$4,484/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,406/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,155
−HK$4,168/mo
▼ 0.25% · 3.875%
HK$79,224
−HK$2,099/mo
Today · 4.125%
HK$81,323
baseline
▲ 0.50% · 4.625%
HK$85,610
+HK$4,287/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,646/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,224
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,630/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,825
+HK$5,382/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,586
−HK$5,002/mo
▼ 0.25% · 3.875%
HK$95,069
−HK$2,519/mo
Today · 4.125%
HK$97,588
baseline
▲ 0.50% · 4.625%
HK$102,732
+HK$5,144/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,176/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,095
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,115
−HK$3,069/mo
Today · 4.125%
HK$103,184
baseline
▲ 0.50% · 4.625%
HK$109,462
+HK$6,278/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$206,368/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,017
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,914
−HK$2,939/mo
Today · 4.125%
HK$113,853
baseline
▲ 0.50% · 4.625%
HK$119,854
+HK$6,001/mo
Deposit HK$9.12M · loan HK$21.29M · min. income ≈ HK$227,706/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,836
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,719
−HK$3,946/mo
Today · 4.125%
HK$132,665
baseline
▲ 0.50% · 4.625%
HK$140,737
+HK$8,072/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$265,330/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,879
−HK$7,503/mo
▼ 0.25% · 3.875%
HK$142,604
−HK$3,778/mo
Today · 4.125%
HK$146,382
baseline
▲ 0.50% · 4.625%
HK$154,098
+HK$7,716/mo
Deposit HK$3.04M · loan HK$27.37M · min. income ≈ HK$292,764/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,628 · Scale 2, in force from 26 Feb 2026)