LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,772
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,911
−HK$2,174/mo
Today · 4.125%
HK$73,085
baseline
▲ 0.50% · 4.625%
HK$77,532
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,170/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,508
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,560
−HK$2,082/mo
Today · 4.125%
HK$80,642
baseline
▲ 0.50% · 4.625%
HK$84,893
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,284/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,527
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,094
−HK$2,608/mo
Today · 4.125%
HK$87,702
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$5,336/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$175,404/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,810
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,272
−HK$2,498/mo
Today · 4.125%
HK$96,770
baseline
▲ 0.50% · 4.625%
HK$101,871
+HK$5,101/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$193,540/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,281
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,276
−HK$3,043/mo
Today · 4.125%
HK$102,319
baseline
▲ 0.50% · 4.625%
HK$108,544
+HK$6,225/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,638/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,112
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,984
−HK$2,915/mo
Today · 4.125%
HK$112,899
baseline
▲ 0.50% · 4.625%
HK$118,850
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,798/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,790
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,640
−HK$3,913/mo
Today · 4.125%
HK$131,553
baseline
▲ 0.50% · 4.625%
HK$139,557
+HK$8,004/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,106/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,715
−HK$7,440/mo
▼ 0.25% · 3.875%
HK$141,408
−HK$3,747/mo
Today · 4.125%
HK$145,155
baseline
▲ 0.50% · 4.625%
HK$152,807
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,310/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,793 · Scale 2, in force from 26 Feb 2026)