LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,497
−HK$4,358/mo
▼ 0.25% · 3.875%
HK$71,658
−HK$2,197/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$78,349
+HK$4,494/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,314
−HK$4,177/mo
▼ 0.25% · 3.875%
HK$79,388
−HK$2,103/mo
Today · 4.125%
HK$81,491
baseline
▲ 0.50% · 4.625%
HK$85,787
+HK$4,296/mo
Deposit HK$15.24M · loan HK$15.24M · min. income ≈ HK$162,982/mo (50% DSR)
Upfront cash ≈ HK$16.53M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,396
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$85,990
−HK$2,636/mo
Today · 4.125%
HK$88,626
baseline
▲ 0.50% · 4.625%
HK$94,018
+HK$5,392/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$177,252/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,777
−HK$5,013/mo
▼ 0.25% · 3.875%
HK$95,265
−HK$2,525/mo
Today · 4.125%
HK$97,790
baseline
▲ 0.50% · 4.625%
HK$102,944
+HK$5,154/mo
Deposit HK$12.19M · loan HK$18.29M · min. income ≈ HK$195,580/mo (50% DSR)
Upfront cash ≈ HK$13.49M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,295
−HK$6,102/mo
▼ 0.25% · 3.875%
HK$100,322
−HK$3,075/mo
Today · 4.125%
HK$103,397
baseline
▲ 0.50% · 4.625%
HK$109,688
+HK$6,291/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$206,794/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,240
−HK$5,848/mo
▼ 0.25% · 3.875%
HK$111,143
−HK$2,945/mo
Today · 4.125%
HK$114,088
baseline
▲ 0.50% · 4.625%
HK$120,102
+HK$6,014/mo
Deposit HK$9.14M · loan HK$21.33M · min. income ≈ HK$228,176/mo (50% DSR)
Upfront cash ≈ HK$10.44M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,094
−HK$7,844/mo
▼ 0.25% · 3.875%
HK$128,985
−HK$3,953/mo
Today · 4.125%
HK$132,938
baseline
▲ 0.50% · 4.625%
HK$141,027
+HK$8,089/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$265,876/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,166
−HK$7,518/mo
▼ 0.25% · 3.875%
HK$142,898
−HK$3,786/mo
Today · 4.125%
HK$146,684
baseline
▲ 0.50% · 4.625%
HK$154,416
+HK$7,732/mo
Deposit HK$3.05M · loan HK$27.43M · min. income ≈ HK$293,368/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,295,296 · Scale 2, in force from 26 Feb 2026)