LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,487
−HK$4,357/mo
▼ 0.25% · 3.875%
HK$71,648
−HK$2,196/mo
Today · 4.125%
HK$73,844
baseline
▲ 0.50% · 4.625%
HK$78,337
+HK$4,493/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,688/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,303
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,377
−HK$2,103/mo
Today · 4.125%
HK$81,480
baseline
▲ 0.50% · 4.625%
HK$85,775
+HK$4,295/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,960/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,384
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$85,978
−HK$2,635/mo
Today · 4.125%
HK$88,613
baseline
▲ 0.50% · 4.625%
HK$94,005
+HK$5,392/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$177,226/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,764
−HK$5,012/mo
▼ 0.25% · 3.875%
HK$95,252
−HK$2,524/mo
Today · 4.125%
HK$97,776
baseline
▲ 0.50% · 4.625%
HK$102,930
+HK$5,154/mo
Deposit HK$12.19M · loan HK$18.28M · min. income ≈ HK$195,552/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,281
−HK$6,101/mo
▼ 0.25% · 3.875%
HK$100,307
−HK$3,075/mo
Today · 4.125%
HK$103,382
baseline
▲ 0.50% · 4.625%
HK$109,672
+HK$6,290/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,764/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,225
−HK$5,847/mo
▼ 0.25% · 3.875%
HK$111,127
−HK$2,945/mo
Today · 4.125%
HK$114,072
baseline
▲ 0.50% · 4.625%
HK$120,085
+HK$6,013/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,144/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,076
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$128,967
−HK$3,953/mo
Today · 4.125%
HK$132,920
baseline
▲ 0.50% · 4.625%
HK$141,007
+HK$8,087/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,840/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,146
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$142,878
−HK$3,786/mo
Today · 4.125%
HK$146,664
baseline
▲ 0.50% · 4.625%
HK$154,394
+HK$7,730/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,328/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,113 · Scale 2, in force from 26 Feb 2026)