LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,377
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$71,535
−HK$2,192/mo
Today · 4.125%
HK$73,727
baseline
▲ 0.50% · 4.625%
HK$78,213
+HK$4,486/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$147,454/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,181
−HK$4,170/mo
▼ 0.25% · 3.875%
HK$79,251
−HK$2,100/mo
Today · 4.125%
HK$81,351
baseline
▲ 0.50% · 4.625%
HK$85,639
+HK$4,288/mo
Deposit HK$15.21M · loan HK$15.21M · min. income ≈ HK$162,702/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,252
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$85,841
−HK$2,631/mo
Today · 4.125%
HK$88,472
baseline
▲ 0.50% · 4.625%
HK$93,856
+HK$5,384/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$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,617
−HK$5,004/mo
▼ 0.25% · 3.875%
HK$95,101
−HK$2,520/mo
Today · 4.125%
HK$97,621
baseline
▲ 0.50% · 4.625%
HK$102,766
+HK$5,145/mo
Deposit HK$12.17M · loan HK$18.25M · min. income ≈ HK$195,242/mo (50% DSR)
Upfront cash ≈ HK$13.46M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,127
−HK$6,091/mo
▼ 0.25% · 3.875%
HK$100,148
−HK$3,070/mo
Today · 4.125%
HK$103,218
baseline
▲ 0.50% · 4.625%
HK$109,498
+HK$6,280/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,436/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,053
−HK$5,838/mo
▼ 0.25% · 3.875%
HK$110,951
−HK$2,940/mo
Today · 4.125%
HK$113,891
baseline
▲ 0.50% · 4.625%
HK$119,894
+HK$6,003/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,782/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,878
−HK$7,831/mo
▼ 0.25% · 3.875%
HK$128,762
−HK$3,947/mo
Today · 4.125%
HK$132,709
baseline
▲ 0.50% · 4.625%
HK$140,784
+HK$8,075/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$265,418/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,925
−HK$7,506/mo
▼ 0.25% · 3.875%
HK$142,651
−HK$3,780/mo
Today · 4.125%
HK$146,431
baseline
▲ 0.50% · 4.625%
HK$154,150
+HK$7,719/mo
Deposit HK$3.04M · loan HK$27.38M · min. income ≈ HK$292,862/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,058 · Scale 2, in force from 26 Feb 2026)