LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,400
−HK$4,352/mo
▼ 0.25% · 3.875%
HK$71,559
−HK$2,193/mo
Today · 4.125%
HK$73,752
baseline
▲ 0.50% · 4.625%
HK$78,240
+HK$4,488/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$147,504/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,207
−HK$4,171/mo
▼ 0.25% · 3.875%
HK$79,278
−HK$2,100/mo
Today · 4.125%
HK$81,378
baseline
▲ 0.50% · 4.625%
HK$85,668
+HK$4,290/mo
Deposit HK$15.22M · loan HK$15.22M · min. income ≈ HK$162,756/mo (50% DSR)
Upfront cash ≈ HK$16.51M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,280
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$85,871
−HK$2,632/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,888
+HK$5,385/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,648
−HK$5,006/mo
▼ 0.25% · 3.875%
HK$95,133
−HK$2,521/mo
Today · 4.125%
HK$97,654
baseline
▲ 0.50% · 4.625%
HK$102,801
+HK$5,147/mo
Deposit HK$12.17M · loan HK$18.26M · min. income ≈ HK$195,308/mo (50% DSR)
Upfront cash ≈ HK$13.47M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,160
−HK$6,093/mo
▼ 0.25% · 3.875%
HK$100,182
−HK$3,071/mo
Today · 4.125%
HK$103,253
baseline
▲ 0.50% · 4.625%
HK$109,536
+HK$6,283/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$206,506/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,090
−HK$5,840/mo
▼ 0.25% · 3.875%
HK$110,989
−HK$2,941/mo
Today · 4.125%
HK$113,930
baseline
▲ 0.50% · 4.625%
HK$119,935
+HK$6,005/mo
Deposit HK$9.13M · loan HK$21.30M · min. income ≈ HK$227,860/mo (50% DSR)
Upfront cash ≈ HK$10.42M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,920
−HK$7,834/mo
▼ 0.25% · 3.875%
HK$128,806
−HK$3,948/mo
Today · 4.125%
HK$132,754
baseline
▲ 0.50% · 4.625%
HK$140,832
+HK$8,078/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$265,508/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,973
−HK$7,508/mo
▼ 0.25% · 3.875%
HK$142,700
−HK$3,781/mo
Today · 4.125%
HK$146,481
baseline
▲ 0.50% · 4.625%
HK$154,202
+HK$7,721/mo
Deposit HK$3.04M · loan HK$27.39M · min. income ≈ HK$292,962/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,293,499 · Scale 2, in force from 26 Feb 2026)