LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,375
−HK$4,351/mo
▼ 0.25% · 3.875%
HK$71,533
−HK$2,193/mo
Today · 4.125%
HK$73,726
baseline
▲ 0.50% · 4.625%
HK$78,212
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,452/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,179
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,249
−HK$2,100/mo
Today · 4.125%
HK$81,349
baseline
▲ 0.50% · 4.625%
HK$85,637
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,698/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,250
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,840
−HK$2,631/mo
Today · 4.125%
HK$88,471
baseline
▲ 0.50% · 4.625%
HK$93,854
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,942/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,615
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,099
−HK$2,520/mo
Today · 4.125%
HK$97,619
baseline
▲ 0.50% · 4.625%
HK$102,764
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,238/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,125
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,146
−HK$3,070/mo
Today · 4.125%
HK$103,216
baseline
▲ 0.50% · 4.625%
HK$109,496
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,432/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,051
−HK$5,837/mo
▼ 0.25% · 3.875%
HK$110,949
−HK$2,939/mo
Today · 4.125%
HK$113,888
baseline
▲ 0.50% · 4.625%
HK$119,892
+HK$6,004/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,776/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,875
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,760
−HK$3,946/mo
Today · 4.125%
HK$132,706
baseline
▲ 0.50% · 4.625%
HK$140,781
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,412/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,922
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,648
−HK$3,780/mo
Today · 4.125%
HK$146,428
baseline
▲ 0.50% · 4.625%
HK$154,146
+HK$7,718/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,856/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,032 · Scale 2, in force from 26 Feb 2026)