LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,724
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,862
−HK$2,172/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$77,478
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,455
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,505
−HK$2,081/mo
Today · 4.125%
HK$80,586
baseline
▲ 0.50% · 4.625%
HK$84,833
+HK$4,247/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,172/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,469
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$85,034
−HK$2,606/mo
Today · 4.125%
HK$87,640
baseline
▲ 0.50% · 4.625%
HK$92,973
+HK$5,333/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,280/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,746
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,206
−HK$2,497/mo
Today · 4.125%
HK$96,703
baseline
▲ 0.50% · 4.625%
HK$101,800
+HK$5,097/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,406/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,214
−HK$6,033/mo
▼ 0.25% · 3.875%
HK$99,207
−HK$3,040/mo
Today · 4.125%
HK$102,247
baseline
▲ 0.50% · 4.625%
HK$108,469
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,494/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,037
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$109,908
−HK$2,912/mo
Today · 4.125%
HK$112,820
baseline
▲ 0.50% · 4.625%
HK$118,767
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,640/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,703
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,551
−HK$3,910/mo
Today · 4.125%
HK$131,461
baseline
▲ 0.50% · 4.625%
HK$139,460
+HK$7,999/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,922/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,619
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$141,310
−HK$3,744/mo
Today · 4.125%
HK$145,054
baseline
▲ 0.50% · 4.625%
HK$152,700
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,108/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,898 · Scale 2, in force from 26 Feb 2026)