LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,754
−HK$4,311/mo
▼ 0.25% · 3.875%
HK$70,892
−HK$2,173/mo
Today · 4.125%
HK$73,065
baseline
▲ 0.50% · 4.625%
HK$77,511
+HK$4,446/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,130/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,488
−HK$4,132/mo
▼ 0.25% · 3.875%
HK$78,539
−HK$2,081/mo
Today · 4.125%
HK$80,620
baseline
▲ 0.50% · 4.625%
HK$84,870
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,240/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,504
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,071
−HK$2,607/mo
Today · 4.125%
HK$87,678
baseline
▲ 0.50% · 4.625%
HK$93,013
+HK$5,335/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,356/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,785
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,247
−HK$2,497/mo
Today · 4.125%
HK$96,744
baseline
▲ 0.50% · 4.625%
HK$101,843
+HK$5,099/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,488/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,255
−HK$6,036/mo
▼ 0.25% · 3.875%
HK$99,249
−HK$3,042/mo
Today · 4.125%
HK$102,291
baseline
▲ 0.50% · 4.625%
HK$108,515
+HK$6,224/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,582/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,083
−HK$5,785/mo
▼ 0.25% · 3.875%
HK$109,955
−HK$2,913/mo
Today · 4.125%
HK$112,868
baseline
▲ 0.50% · 4.625%
HK$118,817
+HK$5,949/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,736/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,756
−HK$7,761/mo
▼ 0.25% · 3.875%
HK$127,606
−HK$3,911/mo
Today · 4.125%
HK$131,517
baseline
▲ 0.50% · 4.625%
HK$139,519
+HK$8,002/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,034/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,678
−HK$7,438/mo
▼ 0.25% · 3.875%
HK$141,370
−HK$3,746/mo
Today · 4.125%
HK$145,116
baseline
▲ 0.50% · 4.625%
HK$152,765
+HK$7,649/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,232/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,446 · Scale 2, in force from 26 Feb 2026)