LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,775
−HK$4,312/mo
▼ 0.25% · 3.875%
HK$70,914
−HK$2,173/mo
Today · 4.125%
HK$73,087
baseline
▲ 0.50% · 4.625%
HK$77,535
+HK$4,448/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,174/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,511
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,563
−HK$2,082/mo
Today · 4.125%
HK$80,645
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,290/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,530
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$85,097
−HK$2,608/mo
Today · 4.125%
HK$87,705
baseline
▲ 0.50% · 4.625%
HK$93,042
+HK$5,337/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$175,410/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,813
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,276
−HK$2,498/mo
Today · 4.125%
HK$96,774
baseline
▲ 0.50% · 4.625%
HK$101,875
+HK$5,101/mo
Deposit HK$12.06M · loan HK$18.10M · min. income ≈ HK$193,548/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,284
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,279
−HK$3,043/mo
Today · 4.125%
HK$102,322
baseline
▲ 0.50% · 4.625%
HK$108,548
+HK$6,226/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,644/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,116
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,988
−HK$2,915/mo
Today · 4.125%
HK$112,903
baseline
▲ 0.50% · 4.625%
HK$118,854
+HK$5,951/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,806/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,794
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,645
−HK$3,912/mo
Today · 4.125%
HK$131,557
baseline
▲ 0.50% · 4.625%
HK$139,562
+HK$8,005/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$263,114/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,720
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,414
−HK$3,747/mo
Today · 4.125%
HK$145,161
baseline
▲ 0.50% · 4.625%
HK$152,812
+HK$7,651/mo
Deposit HK$3.02M · loan HK$27.14M · min. income ≈ HK$290,322/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,840 · Scale 2, in force from 26 Feb 2026)