LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,880
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,023
−HK$2,176/mo
Today · 4.125%
HK$73,199
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$4,454/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,398/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,628
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,684
−HK$2,084/mo
Today · 4.125%
HK$80,768
baseline
▲ 0.50% · 4.625%
HK$85,026
+HK$4,258/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,536/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,656
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,227
−HK$2,612/mo
Today · 4.125%
HK$87,839
baseline
▲ 0.50% · 4.625%
HK$93,184
+HK$5,345/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,678/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,954
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,420
−HK$2,502/mo
Today · 4.125%
HK$96,922
baseline
▲ 0.50% · 4.625%
HK$102,031
+HK$5,109/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,844/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,432
−HK$6,047/mo
▼ 0.25% · 3.875%
HK$99,432
−HK$3,047/mo
Today · 4.125%
HK$102,479
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,958/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,280
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,157
−HK$2,919/mo
Today · 4.125%
HK$113,076
baseline
▲ 0.50% · 4.625%
HK$119,036
+HK$5,960/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,152/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,984
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,841
−HK$3,918/mo
Today · 4.125%
HK$131,759
baseline
▲ 0.50% · 4.625%
HK$139,776
+HK$8,017/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,518/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,931
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,630
−HK$3,753/mo
Today · 4.125%
HK$145,383
baseline
▲ 0.50% · 4.625%
HK$153,046
+HK$7,663/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,766/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,805 · Scale 2, in force from 26 Feb 2026)