LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,832
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,974
−HK$2,175/mo
Today · 4.125%
HK$73,149
baseline
▲ 0.50% · 4.625%
HK$77,600
+HK$4,451/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,298/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,575
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,629
−HK$2,084/mo
Today · 4.125%
HK$80,713
baseline
▲ 0.50% · 4.625%
HK$84,967
+HK$4,254/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,426/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,599
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,168
−HK$2,611/mo
Today · 4.125%
HK$87,779
baseline
▲ 0.50% · 4.625%
HK$93,120
+HK$5,341/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,558/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,890
−HK$4,965/mo
▼ 0.25% · 3.875%
HK$94,355
−HK$2,500/mo
Today · 4.125%
HK$96,855
baseline
▲ 0.50% · 4.625%
HK$101,960
+HK$5,105/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,710/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,365
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,363
−HK$3,045/mo
Today · 4.125%
HK$102,408
baseline
▲ 0.50% · 4.625%
HK$108,640
+HK$6,232/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$204,816/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,206
−HK$5,792/mo
▼ 0.25% · 3.875%
HK$110,081
−HK$2,917/mo
Today · 4.125%
HK$112,998
baseline
▲ 0.50% · 4.625%
HK$118,954
+HK$5,956/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$225,996/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,898
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,752
−HK$3,916/mo
Today · 4.125%
HK$131,668
baseline
▲ 0.50% · 4.625%
HK$139,680
+HK$8,012/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,836
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,532
−HK$3,751/mo
Today · 4.125%
HK$145,283
baseline
▲ 0.50% · 4.625%
HK$152,941
+HK$7,658/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,566/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,917 · Scale 2, in force from 26 Feb 2026)