LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,363
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,520
−HK$2,192/mo
Today · 4.125%
HK$73,712
baseline
▲ 0.50% · 4.625%
HK$78,197
+HK$4,485/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,424/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,165
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,235
−HK$2,099/mo
Today · 4.125%
HK$81,334
baseline
▲ 0.50% · 4.625%
HK$85,621
+HK$4,287/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,668/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,824
−HK$2,631/mo
Today · 4.125%
HK$88,455
baseline
▲ 0.50% · 4.625%
HK$93,837
+HK$5,382/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,910/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,598
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,082
−HK$2,519/mo
Today · 4.125%
HK$97,601
baseline
▲ 0.50% · 4.625%
HK$102,746
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,202/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,108
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,128
−HK$3,069/mo
Today · 4.125%
HK$103,197
baseline
▲ 0.50% · 4.625%
HK$109,476
+HK$6,279/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,394/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,031
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,929
−HK$2,939/mo
Today · 4.125%
HK$113,868
baseline
▲ 0.50% · 4.625%
HK$119,870
+HK$6,002/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,736/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,853
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,736
−HK$3,946/mo
Today · 4.125%
HK$132,682
baseline
▲ 0.50% · 4.625%
HK$140,755
+HK$8,073/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,364/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,897
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,622
−HK$3,780/mo
Today · 4.125%
HK$146,402
baseline
▲ 0.50% · 4.625%
HK$154,119
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,804/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,798 · Scale 2, in force from 26 Feb 2026)