LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,368
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,526
−HK$2,192/mo
Today · 4.125%
HK$73,718
baseline
▲ 0.50% · 4.625%
HK$78,204
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,436/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,172
−HK$4,169/mo
▼ 0.25% · 3.875%
HK$79,241
−HK$2,100/mo
Today · 4.125%
HK$81,341
baseline
▲ 0.50% · 4.625%
HK$85,628
+HK$4,287/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,682/mo (50% DSR)
Upfront cash ≈ HK$16.50M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,242
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,831
−HK$2,631/mo
Today · 4.125%
HK$88,462
baseline
▲ 0.50% · 4.625%
HK$93,845
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,924/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,606
−HK$5,003/mo
▼ 0.25% · 3.875%
HK$95,089
−HK$2,520/mo
Today · 4.125%
HK$97,609
baseline
▲ 0.50% · 4.625%
HK$102,754
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,218/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,116
−HK$6,090/mo
▼ 0.25% · 3.875%
HK$100,136
−HK$3,070/mo
Today · 4.125%
HK$103,206
baseline
▲ 0.50% · 4.625%
HK$109,485
+HK$6,279/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$206,412/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,040
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,938
−HK$2,939/mo
Today · 4.125%
HK$113,877
baseline
▲ 0.50% · 4.625%
HK$119,880
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.29M · min. income ≈ HK$227,754/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,863
−HK$7,830/mo
▼ 0.25% · 3.875%
HK$128,747
−HK$3,946/mo
Today · 4.125%
HK$132,693
baseline
▲ 0.50% · 4.625%
HK$140,767
+HK$8,074/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,386/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,909
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,634
−HK$3,780/mo
Today · 4.125%
HK$146,414
baseline
▲ 0.50% · 4.625%
HK$154,131
+HK$7,717/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,828/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,292,904 · Scale 2, in force from 26 Feb 2026)