LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,786
−HK$4,314/mo
▼ 0.25% · 3.875%
HK$70,926
−HK$2,174/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$4,447/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,524
−HK$4,134/mo
▼ 0.25% · 3.875%
HK$78,576
−HK$2,082/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$84,910
+HK$4,252/mo
Deposit HK$15.08M · loan HK$15.08M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,543
−HK$5,176/mo
▼ 0.25% · 3.875%
HK$85,111
−HK$2,608/mo
Today · 4.125%
HK$87,719
baseline
▲ 0.50% · 4.625%
HK$93,057
+HK$5,338/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,438/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,829
−HK$4,961/mo
▼ 0.25% · 3.875%
HK$94,291
−HK$2,499/mo
Today · 4.125%
HK$96,790
baseline
▲ 0.50% · 4.625%
HK$101,892
+HK$5,102/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,580/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,300
−HK$6,039/mo
▼ 0.25% · 3.875%
HK$99,296
−HK$3,043/mo
Today · 4.125%
HK$102,339
baseline
▲ 0.50% · 4.625%
HK$108,566
+HK$6,227/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,678/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,133
−HK$5,788/mo
▼ 0.25% · 3.875%
HK$110,007
−HK$2,914/mo
Today · 4.125%
HK$112,921
baseline
▲ 0.50% · 4.625%
HK$118,874
+HK$5,953/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,842/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,815
−HK$7,764/mo
▼ 0.25% · 3.875%
HK$127,666
−HK$3,913/mo
Today · 4.125%
HK$131,579
baseline
▲ 0.50% · 4.625%
HK$139,585
+HK$8,006/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$263,158/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,743
−HK$7,442/mo
▼ 0.25% · 3.875%
HK$141,437
−HK$3,748/mo
Today · 4.125%
HK$145,185
baseline
▲ 0.50% · 4.625%
HK$152,837
+HK$7,652/mo
Deposit HK$3.02M · loan HK$27.15M · min. income ≈ HK$290,370/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,052 · Scale 2, in force from 26 Feb 2026)