LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,807
−HK$4,315/mo
▼ 0.25% · 3.875%
HK$70,947
−HK$2,175/mo
Today · 4.125%
HK$73,122
baseline
▲ 0.50% · 4.625%
HK$77,571
+HK$4,449/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,244/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,547
−HK$4,136/mo
▼ 0.25% · 3.875%
HK$78,600
−HK$2,083/mo
Today · 4.125%
HK$80,683
baseline
▲ 0.50% · 4.625%
HK$84,936
+HK$4,253/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,366/mo (50% DSR)
Upfront cash ≈ HK$16.37M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,569
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$85,137
−HK$2,609/mo
Today · 4.125%
HK$87,746
baseline
▲ 0.50% · 4.625%
HK$93,086
+HK$5,340/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,492/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,857
−HK$4,962/mo
▼ 0.25% · 3.875%
HK$94,320
−HK$2,499/mo
Today · 4.125%
HK$96,819
baseline
▲ 0.50% · 4.625%
HK$101,923
+HK$5,104/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,638/mo (50% DSR)
Upfront cash ≈ HK$13.35M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,330
−HK$6,041/mo
▼ 0.25% · 3.875%
HK$99,326
−HK$3,045/mo
Today · 4.125%
HK$102,371
baseline
▲ 0.50% · 4.625%
HK$108,600
+HK$6,229/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$204,742/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,166
−HK$5,790/mo
▼ 0.25% · 3.875%
HK$110,040
−HK$2,916/mo
Today · 4.125%
HK$112,956
baseline
▲ 0.50% · 4.625%
HK$118,910
+HK$5,954/mo
Deposit HK$9.05M · loan HK$21.12M · min. income ≈ HK$225,912/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,853
−HK$7,767/mo
▼ 0.25% · 3.875%
HK$127,705
−HK$3,915/mo
Today · 4.125%
HK$131,620
baseline
▲ 0.50% · 4.625%
HK$139,628
+HK$8,008/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$263,240/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,785
−HK$7,444/mo
▼ 0.25% · 3.875%
HK$141,480
−HK$3,749/mo
Today · 4.125%
HK$145,229
baseline
▲ 0.50% · 4.625%
HK$152,884
+HK$7,655/mo
Deposit HK$3.02M · loan HK$27.16M · min. income ≈ HK$290,458/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,446 · Scale 2, in force from 26 Feb 2026)