LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,803
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,944
−HK$2,174/mo
Today · 4.125%
HK$73,118
baseline
▲ 0.50% · 4.625%
HK$77,567
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,236/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,543
−HK$4,135/mo
▼ 0.25% · 3.875%
HK$78,596
−HK$2,082/mo
Today · 4.125%
HK$80,678
baseline
▲ 0.50% · 4.625%
HK$84,931
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,356/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,564
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,132
−HK$2,609/mo
Today · 4.125%
HK$87,741
baseline
▲ 0.50% · 4.625%
HK$93,080
+HK$5,339/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$175,482/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,852
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,315
−HK$2,499/mo
Today · 4.125%
HK$96,814
baseline
▲ 0.50% · 4.625%
HK$101,917
+HK$5,103/mo
Deposit HK$12.07M · loan HK$18.10M · min. income ≈ HK$193,628/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,325
−HK$6,040/mo
▼ 0.25% · 3.875%
HK$99,321
−HK$3,044/mo
Today · 4.125%
HK$102,365
baseline
▲ 0.50% · 4.625%
HK$108,594
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,730/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,160
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,034
−HK$2,916/mo
Today · 4.125%
HK$112,950
baseline
▲ 0.50% · 4.625%
HK$118,903
+HK$5,953/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,900/mo (50% DSR)
Upfront cash ≈ HK$10.33M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,846
−HK$7,766/mo
▼ 0.25% · 3.875%
HK$127,698
−HK$3,914/mo
Today · 4.125%
HK$131,612
baseline
▲ 0.50% · 4.625%
HK$139,621
+HK$8,009/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,224/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,777
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,473
−HK$3,748/mo
Today · 4.125%
HK$145,221
baseline
▲ 0.50% · 4.625%
HK$152,876
+HK$7,655/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,442/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,374 · Scale 2, in force from 26 Feb 2026)