LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,887
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,030
−HK$2,177/mo
Today · 4.125%
HK$73,207
baseline
▲ 0.50% · 4.625%
HK$77,662
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,414/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,636
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,692
−HK$2,085/mo
Today · 4.125%
HK$80,777
baseline
▲ 0.50% · 4.625%
HK$85,035
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,554/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,665
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,236
−HK$2,613/mo
Today · 4.125%
HK$87,849
baseline
▲ 0.50% · 4.625%
HK$93,194
+HK$5,345/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$175,698/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,964
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,430
−HK$2,502/mo
Today · 4.125%
HK$96,932
baseline
▲ 0.50% · 4.625%
HK$102,042
+HK$5,110/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,864/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,442
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,442
−HK$3,048/mo
Today · 4.125%
HK$102,490
baseline
▲ 0.50% · 4.625%
HK$108,726
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,980/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,291
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,169
−HK$2,919/mo
Today · 4.125%
HK$113,088
baseline
▲ 0.50% · 4.625%
HK$119,049
+HK$5,961/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,176/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,997
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$127,854
−HK$3,919/mo
Today · 4.125%
HK$131,773
baseline
▲ 0.50% · 4.625%
HK$139,791
+HK$8,018/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,546/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,946
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,645
−HK$3,753/mo
Today · 4.125%
HK$145,398
baseline
▲ 0.50% · 4.625%
HK$153,063
+HK$7,665/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,796/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,940 · Scale 2, in force from 26 Feb 2026)