LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,888
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$2,177/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,662
+HK$4,454/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,637
−HK$4,140/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$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,665
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,237
−HK$2,612/mo
Today · 4.125%
HK$87,849
baseline
▲ 0.50% · 4.625%
HK$93,195
+HK$5,346/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$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,964
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,431
−HK$2,502/mo
Today · 4.125%
HK$96,933
baseline
▲ 0.50% · 4.625%
HK$102,042
+HK$5,109/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,866/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,443
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,443
−HK$3,048/mo
Today · 4.125%
HK$102,491
baseline
▲ 0.50% · 4.625%
HK$108,727
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,982/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,292
−HK$5,796/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$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,998
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$127,855
−HK$3,919/mo
Today · 4.125%
HK$131,774
baseline
▲ 0.50% · 4.625%
HK$139,792
+HK$8,018/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,548/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,946
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,646
−HK$3,753/mo
Today · 4.125%
HK$145,399
baseline
▲ 0.50% · 4.625%
HK$153,063
+HK$7,664/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,798/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,948 · Scale 2, in force from 26 Feb 2026)