LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,709
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,846
−HK$2,172/mo
Today · 4.125%
HK$73,018
baseline
▲ 0.50% · 4.625%
HK$77,461
+HK$4,443/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,036/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,438
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$78,488
−HK$2,080/mo
Today · 4.125%
HK$80,568
baseline
▲ 0.50% · 4.625%
HK$84,815
+HK$4,247/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,136/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,451
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,016
−HK$2,605/mo
Today · 4.125%
HK$87,621
baseline
▲ 0.50% · 4.625%
HK$92,953
+HK$5,332/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,242/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,726
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,186
−HK$2,495/mo
Today · 4.125%
HK$96,681
baseline
▲ 0.50% · 4.625%
HK$101,778
+HK$5,097/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,362/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,193
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,185
−HK$3,040/mo
Today · 4.125%
HK$102,225
baseline
▲ 0.50% · 4.625%
HK$108,445
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,450/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,013
−HK$5,782/mo
▼ 0.25% · 3.875%
HK$109,883
−HK$2,912/mo
Today · 4.125%
HK$112,795
baseline
▲ 0.50% · 4.625%
HK$118,741
+HK$5,946/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,590/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,676
−HK$7,756/mo
▼ 0.25% · 3.875%
HK$127,523
−HK$3,909/mo
Today · 4.125%
HK$131,432
baseline
▲ 0.50% · 4.625%
HK$139,429
+HK$7,997/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,864/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,589
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,279
−HK$3,743/mo
Today · 4.125%
HK$145,022
baseline
▲ 0.50% · 4.625%
HK$152,666
+HK$7,644/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,044/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,617 · Scale 2, in force from 26 Feb 2026)