LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,730
−HK$4,310/mo
▼ 0.25% · 3.875%
HK$70,868
−HK$2,172/mo
Today · 4.125%
HK$73,040
baseline
▲ 0.50% · 4.625%
HK$77,484
+HK$4,444/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$146,080/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,462
−HK$4,131/mo
▼ 0.25% · 3.875%
HK$78,512
−HK$2,081/mo
Today · 4.125%
HK$80,593
baseline
▲ 0.50% · 4.625%
HK$84,841
+HK$4,248/mo
Deposit HK$15.07M · loan HK$15.07M · min. income ≈ HK$161,186/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,476
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$85,042
−HK$2,606/mo
Today · 4.125%
HK$87,648
baseline
▲ 0.50% · 4.625%
HK$92,981
+HK$5,333/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$175,296/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,754
−HK$4,957/mo
▼ 0.25% · 3.875%
HK$94,215
−HK$2,496/mo
Today · 4.125%
HK$96,711
baseline
▲ 0.50% · 4.625%
HK$101,809
+HK$5,098/mo
Deposit HK$12.06M · loan HK$18.08M · min. income ≈ HK$193,422/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,222
−HK$6,034/mo
▼ 0.25% · 3.875%
HK$99,215
−HK$3,041/mo
Today · 4.125%
HK$102,256
baseline
▲ 0.50% · 4.625%
HK$108,478
+HK$6,222/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$204,512/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,046
−HK$5,784/mo
▼ 0.25% · 3.875%
HK$109,917
−HK$2,913/mo
Today · 4.125%
HK$112,830
baseline
▲ 0.50% · 4.625%
HK$118,777
+HK$5,947/mo
Deposit HK$9.04M · loan HK$21.10M · min. income ≈ HK$225,660/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,714
−HK$7,758/mo
▼ 0.25% · 3.875%
HK$127,562
−HK$3,910/mo
Today · 4.125%
HK$131,472
baseline
▲ 0.50% · 4.625%
HK$139,472
+HK$8,000/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$262,944/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,631
−HK$7,436/mo
▼ 0.25% · 3.875%
HK$141,322
−HK$3,745/mo
Today · 4.125%
HK$145,067
baseline
▲ 0.50% · 4.625%
HK$152,713
+HK$7,646/mo
Deposit HK$3.01M · loan HK$27.13M · min. income ≈ HK$290,134/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,010 · Scale 2, in force from 26 Feb 2026)