LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,708
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,845
−HK$2,172/mo
Today · 4.125%
HK$73,017
baseline
▲ 0.50% · 4.625%
HK$77,459
+HK$4,442/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,034/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,437
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,487
−HK$2,080/mo
Today · 4.125%
HK$80,567
baseline
▲ 0.50% · 4.625%
HK$84,813
+HK$4,246/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,134/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,450
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,014
−HK$2,606/mo
Today · 4.125%
HK$87,620
baseline
▲ 0.50% · 4.625%
HK$92,951
+HK$5,331/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,240/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,724
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,184
−HK$2,496/mo
Today · 4.125%
HK$96,680
baseline
▲ 0.50% · 4.625%
HK$101,776
+HK$5,096/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,360/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,191
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,183
−HK$3,040/mo
Today · 4.125%
HK$102,223
baseline
▲ 0.50% · 4.625%
HK$108,443
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,446/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,012
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,882
−HK$2,911/mo
Today · 4.125%
HK$112,793
baseline
▲ 0.50% · 4.625%
HK$118,739
+HK$5,946/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,586/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,674
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,521
−HK$3,909/mo
Today · 4.125%
HK$131,430
baseline
▲ 0.50% · 4.625%
HK$139,427
+HK$7,997/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,860/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,586
−HK$7,434/mo
▼ 0.25% · 3.875%
HK$141,276
−HK$3,744/mo
Today · 4.125%
HK$145,020
baseline
▲ 0.50% · 4.625%
HK$152,664
+HK$7,644/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,040/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,597 · Scale 2, in force from 26 Feb 2026)