LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,762
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,901
−HK$2,173/mo
Today · 4.125%
HK$73,074
baseline
▲ 0.50% · 4.625%
HK$77,521
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,148/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,497
−HK$4,133/mo
▼ 0.25% · 3.875%
HK$78,549
−HK$2,081/mo
Today · 4.125%
HK$80,630
baseline
▲ 0.50% · 4.625%
HK$84,880
+HK$4,250/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,260/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,515
−HK$5,174/mo
▼ 0.25% · 3.875%
HK$85,081
−HK$2,608/mo
Today · 4.125%
HK$87,689
baseline
▲ 0.50% · 4.625%
HK$93,025
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$175,378/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,797
−HK$4,959/mo
▼ 0.25% · 3.875%
HK$94,259
−HK$2,497/mo
Today · 4.125%
HK$96,756
baseline
▲ 0.50% · 4.625%
HK$101,857
+HK$5,101/mo
Deposit HK$12.06M · loan HK$18.09M · min. income ≈ HK$193,512/mo (50% DSR)
Upfront cash ≈ HK$13.34M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,267
−HK$6,037/mo
▼ 0.25% · 3.875%
HK$99,262
−HK$3,042/mo
Today · 4.125%
HK$102,304
baseline
▲ 0.50% · 4.625%
HK$108,529
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,608/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,096
−HK$5,786/mo
▼ 0.25% · 3.875%
HK$109,969
−HK$2,913/mo
Today · 4.125%
HK$112,882
baseline
▲ 0.50% · 4.625%
HK$118,833
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,764/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,772
−HK$7,762/mo
▼ 0.25% · 3.875%
HK$127,622
−HK$3,912/mo
Today · 4.125%
HK$131,534
baseline
▲ 0.50% · 4.625%
HK$139,537
+HK$8,003/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,068/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,695
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,388
−HK$3,747/mo
Today · 4.125%
HK$145,135
baseline
▲ 0.50% · 4.625%
HK$152,785
+HK$7,650/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,270/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,610 · Scale 2, in force from 26 Feb 2026)