LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,835
−HK$4,316/mo
▼ 0.25% · 3.875%
HK$70,976
−HK$2,175/mo
Today · 4.125%
HK$73,151
baseline
▲ 0.50% · 4.625%
HK$77,603
+HK$4,452/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$146,302/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,578
−HK$4,137/mo
▼ 0.25% · 3.875%
HK$78,632
−HK$2,083/mo
Today · 4.125%
HK$80,715
baseline
▲ 0.50% · 4.625%
HK$84,970
+HK$4,255/mo
Deposit HK$15.09M · loan HK$15.09M · min. income ≈ HK$161,430/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$5,180/mo
▼ 0.25% · 3.875%
HK$85,171
−HK$2,611/mo
Today · 4.125%
HK$87,782
baseline
▲ 0.50% · 4.625%
HK$93,123
+HK$5,341/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$175,564/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,894
−HK$4,964/mo
▼ 0.25% · 3.875%
HK$94,358
−HK$2,500/mo
Today · 4.125%
HK$96,858
baseline
▲ 0.50% · 4.625%
HK$101,964
+HK$5,106/mo
Deposit HK$12.07M · loan HK$18.11M · min. income ≈ HK$193,716/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,369
−HK$6,043/mo
▼ 0.25% · 3.875%
HK$99,366
−HK$3,046/mo
Today · 4.125%
HK$102,412
baseline
▲ 0.50% · 4.625%
HK$108,644
+HK$6,232/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$204,824/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,209
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,085
−HK$2,917/mo
Today · 4.125%
HK$113,002
baseline
▲ 0.50% · 4.625%
HK$118,958
+HK$5,956/mo
Deposit HK$9.06M · loan HK$21.13M · min. income ≈ HK$226,004/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,903
−HK$7,770/mo
▼ 0.25% · 3.875%
HK$127,757
−HK$3,916/mo
Today · 4.125%
HK$131,673
baseline
▲ 0.50% · 4.625%
HK$139,685
+HK$8,012/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,346/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,841
−HK$7,447/mo
▼ 0.25% · 3.875%
HK$141,537
−HK$3,751/mo
Today · 4.125%
HK$145,288
baseline
▲ 0.50% · 4.625%
HK$152,946
+HK$7,658/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,576/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,282,962 · Scale 2, in force from 26 Feb 2026)