LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,364
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,521
−HK$2,192/mo
Today · 4.125%
HK$73,713
baseline
▲ 0.50% · 4.625%
HK$78,199
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,426/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,166
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,236
−HK$2,099/mo
Today · 4.125%
HK$81,335
baseline
▲ 0.50% · 4.625%
HK$85,623
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,670/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,236
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,825
−HK$2,631/mo
Today · 4.125%
HK$88,456
baseline
▲ 0.50% · 4.625%
HK$93,838
+HK$5,382/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,912/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,599
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,083
−HK$2,519/mo
Today · 4.125%
HK$97,602
baseline
▲ 0.50% · 4.625%
HK$102,747
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,204/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,109
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,130
−HK$3,069/mo
Today · 4.125%
HK$103,199
baseline
▲ 0.50% · 4.625%
HK$109,478
+HK$6,279/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,398/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,033
−HK$5,836/mo
▼ 0.25% · 3.875%
HK$110,930
−HK$2,939/mo
Today · 4.125%
HK$113,869
baseline
▲ 0.50% · 4.625%
HK$119,872
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,738/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,854
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,738
−HK$3,946/mo
Today · 4.125%
HK$132,684
baseline
▲ 0.50% · 4.625%
HK$140,757
+HK$8,073/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,368/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,899
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,624
−HK$3,780/mo
Today · 4.125%
HK$146,404
baseline
▲ 0.50% · 4.625%
HK$154,121
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,808/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,816 · Scale 2, in force from 26 Feb 2026)