LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,779
−HK$4,313/mo
▼ 0.25% · 3.875%
HK$70,919
−HK$2,173/mo
Today · 4.125%
HK$73,092
baseline
▲ 0.50% · 4.625%
HK$77,540
+HK$4,448/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$1,281,926 · 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$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,535
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,102
−HK$2,609/mo
Today · 4.125%
HK$87,711
baseline
▲ 0.50% · 4.625%
HK$93,048
+HK$5,337/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,422/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,820
−HK$4,960/mo
▼ 0.25% · 3.875%
HK$94,282
−HK$2,498/mo
Today · 4.125%
HK$96,780
baseline
▲ 0.50% · 4.625%
HK$101,882
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,560/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,291
−HK$6,038/mo
▼ 0.25% · 3.875%
HK$99,286
−HK$3,043/mo
Today · 4.125%
HK$102,329
baseline
▲ 0.50% · 4.625%
HK$108,556
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$204,658/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,123
−HK$5,787/mo
▼ 0.25% · 3.875%
HK$109,996
−HK$2,914/mo
Today · 4.125%
HK$112,910
baseline
▲ 0.50% · 4.625%
HK$118,862
+HK$5,952/mo
Deposit HK$9.05M · loan HK$21.11M · min. income ≈ HK$225,820/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,803
−HK$7,763/mo
▼ 0.25% · 3.875%
HK$127,654
−HK$3,912/mo
Today · 4.125%
HK$131,566
baseline
▲ 0.50% · 4.625%
HK$139,572
+HK$8,006/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,132/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,729
−HK$7,441/mo
▼ 0.25% · 3.875%
HK$141,423
−HK$3,747/mo
Today · 4.125%
HK$145,170
baseline
▲ 0.50% · 4.625%
HK$152,822
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,340/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,281,926 · Scale 2, in force from 26 Feb 2026)