LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,779
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,918
−HK$2,174/mo
Today · 4.125%
HK$73,092
baseline
▲ 0.50% · 4.625%
HK$77,539
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,184/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,516
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,568
−HK$2,082/mo
Today · 4.125%
HK$80,650
baseline
▲ 0.50% · 4.625%
HK$84,901
+HK$4,251/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,300/mo (50% DSR)
Upfront cash ≈ HK$16.36M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,534
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,102
−HK$2,608/mo
Today · 4.125%
HK$87,710
baseline
▲ 0.50% · 4.625%
HK$93,047
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,420/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,819
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,281
−HK$2,498/mo
Today · 4.125%
HK$96,779
baseline
▲ 0.50% · 4.625%
HK$101,881
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,558/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,290
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,285
−HK$3,043/mo
Today · 4.125%
HK$102,328
baseline
▲ 0.50% · 4.625%
HK$108,555
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,656/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,122
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,995
−HK$2,914/mo
Today · 4.125%
HK$112,909
baseline
▲ 0.50% · 4.625%
HK$118,861
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,818/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,802
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,653
−HK$3,912/mo
Today · 4.125%
HK$131,565
baseline
▲ 0.50% · 4.625%
HK$139,571
+HK$8,006/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,130/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,728
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,422
−HK$3,747/mo
Today · 4.125%
HK$145,169
baseline
▲ 0.50% · 4.625%
HK$152,821
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,338/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,915 · Scale 2, in force from 26 Feb 2026)