LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,692
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$2,171/mo
Today · 4.125%
HK$73,000
baseline
▲ 0.50% · 4.625%
HK$77,442
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,000/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,420
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,469
−HK$2,079/mo
Today · 4.125%
HK$80,548
baseline
▲ 0.50% · 4.625%
HK$84,794
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,096/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,431
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$84,995
−HK$2,605/mo
Today · 4.125%
HK$87,600
baseline
▲ 0.50% · 4.625%
HK$92,930
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,200/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,704
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,163
−HK$2,495/mo
Today · 4.125%
HK$96,658
baseline
▲ 0.50% · 4.625%
HK$101,753
+HK$5,095/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,316/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,169
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,161
−HK$3,039/mo
Today · 4.125%
HK$102,200
baseline
▲ 0.50% · 4.625%
HK$108,419
+HK$6,219/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,400/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,988
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,857
−HK$2,911/mo
Today · 4.125%
HK$112,768
baseline
▲ 0.50% · 4.625%
HK$118,712
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,536/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,646
−HK$7,754/mo
▼ 0.25% · 3.875%
HK$127,493
−HK$3,907/mo
Today · 4.125%
HK$131,400
baseline
▲ 0.50% · 4.625%
HK$139,396
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,800/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,555
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,245
−HK$3,742/mo
Today · 4.125%
HK$144,987
baseline
▲ 0.50% · 4.625%
HK$152,630
+HK$7,643/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,974/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,309 · Scale 2, in force from 26 Feb 2026)