LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,368
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$71,525
−HK$2,192/mo
Today · 4.125%
HK$73,717
baseline
▲ 0.50% · 4.625%
HK$78,203
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,434/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,171
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,240
−HK$2,100/mo
Today · 4.125%
HK$81,340
baseline
▲ 0.50% · 4.625%
HK$85,627
+HK$4,287/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,680/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,241
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,830
−HK$2,631/mo
Today · 4.125%
HK$88,461
baseline
▲ 0.50% · 4.625%
HK$93,844
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,922/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,605
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,088
−HK$2,520/mo
Today · 4.125%
HK$97,608
baseline
▲ 0.50% · 4.625%
HK$102,753
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,216/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,115
−HK$6,089/mo
▼ 0.25% · 3.875%
HK$100,135
−HK$3,069/mo
Today · 4.125%
HK$103,204
baseline
▲ 0.50% · 4.625%
HK$109,484
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,408/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,039
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,936
−HK$2,940/mo
Today · 4.125%
HK$113,876
baseline
▲ 0.50% · 4.625%
HK$119,878
+HK$6,002/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,752/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,862
−HK$7,829/mo
▼ 0.25% · 3.875%
HK$128,745
−HK$3,946/mo
Today · 4.125%
HK$132,691
baseline
▲ 0.50% · 4.625%
HK$140,765
+HK$8,074/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,382/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,907
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,633
−HK$3,779/mo
Today · 4.125%
HK$146,412
baseline
▲ 0.50% · 4.625%
HK$154,129
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,824/mo (50% DSR)
Upfront cash ≈ HK$4.33M (deposit + AVD stamp duty HK$1,292,890 · Scale 2, in force from 26 Feb 2026)