LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,723
−HK$4,309/mo
▼ 0.25% · 3.875%
HK$70,860
−HK$2,172/mo
Today · 4.125%
HK$73,032
baseline
▲ 0.50% · 4.625%
HK$77,476
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,064/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,453
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,504
−HK$2,080/mo
Today · 4.125%
HK$80,584
baseline
▲ 0.50% · 4.625%
HK$84,831
+HK$4,247/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,168/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,467
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,032
−HK$2,607/mo
Today · 4.125%
HK$87,639
baseline
▲ 0.50% · 4.625%
HK$92,971
+HK$5,332/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,278/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,744
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$94,204
−HK$2,496/mo
Today · 4.125%
HK$96,700
baseline
▲ 0.50% · 4.625%
HK$101,798
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,400/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,212
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,204
−HK$3,041/mo
Today · 4.125%
HK$102,245
baseline
▲ 0.50% · 4.625%
HK$108,466
+HK$6,221/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,490/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,034
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,905
−HK$2,912/mo
Today · 4.125%
HK$112,817
baseline
▲ 0.50% · 4.625%
HK$118,764
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,634/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,701
−HK$7,757/mo
▼ 0.25% · 3.875%
HK$127,548
−HK$3,910/mo
Today · 4.125%
HK$131,458
baseline
▲ 0.50% · 4.625%
HK$139,457
+HK$7,999/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,916/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,616
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,307
−HK$3,744/mo
Today · 4.125%
HK$145,051
baseline
▲ 0.50% · 4.625%
HK$152,697
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,102/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,870 · Scale 2, in force from 26 Feb 2026)