LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,376
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$2,192/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$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,180
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,250
−HK$2,100/mo
Today · 4.125%
HK$81,350
baseline
▲ 0.50% · 4.625%
HK$85,638
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,700/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,251
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$85,841
−HK$2,631/mo
Today · 4.125%
HK$88,472
baseline
▲ 0.50% · 4.625%
HK$93,855
+HK$5,383/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$176,944/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,616
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,100
−HK$2,520/mo
Today · 4.125%
HK$97,620
baseline
▲ 0.50% · 4.625%
HK$102,765
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,240/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,126
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,147
−HK$3,070/mo
Today · 4.125%
HK$103,217
baseline
▲ 0.50% · 4.625%
HK$109,497
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,434/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,052
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,950
−HK$2,940/mo
Today · 4.125%
HK$113,890
baseline
▲ 0.50% · 4.625%
HK$119,893
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,780/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,876
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,761
−HK$3,946/mo
Today · 4.125%
HK$132,707
baseline
▲ 0.50% · 4.625%
HK$140,782
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,414/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,924
−HK$7,505/mo
▼ 0.25% · 3.875%
HK$142,650
−HK$3,779/mo
Today · 4.125%
HK$146,429
baseline
▲ 0.50% · 4.625%
HK$154,148
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,858/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,044 · Scale 2, in force from 26 Feb 2026)