LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,889
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,032
−HK$2,177/mo
Today · 4.125%
HK$73,209
baseline
▲ 0.50% · 4.625%
HK$77,663
+HK$4,454/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,418/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,638
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,693
−HK$2,085/mo
Today · 4.125%
HK$80,778
baseline
▲ 0.50% · 4.625%
HK$85,036
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,556/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,666
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,238
−HK$2,612/mo
Today · 4.125%
HK$87,850
baseline
▲ 0.50% · 4.625%
HK$93,196
+HK$5,346/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$175,700/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,966
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,432
−HK$2,502/mo
Today · 4.125%
HK$96,934
baseline
▲ 0.50% · 4.625%
HK$102,044
+HK$5,110/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,868/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,444
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,444
−HK$3,048/mo
Today · 4.125%
HK$102,492
baseline
▲ 0.50% · 4.625%
HK$108,728
+HK$6,236/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,984/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,293
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,171
−HK$2,919/mo
Today · 4.125%
HK$113,090
baseline
▲ 0.50% · 4.625%
HK$119,051
+HK$5,961/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,180/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,000
−HK$7,775/mo
▼ 0.25% · 3.875%
HK$127,857
−HK$3,918/mo
Today · 4.125%
HK$131,775
baseline
▲ 0.50% · 4.625%
HK$139,794
+HK$8,019/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,550/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,948
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,648
−HK$3,753/mo
Today · 4.125%
HK$145,401
baseline
▲ 0.50% · 4.625%
HK$153,066
+HK$7,665/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,802/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,965 · Scale 2, in force from 26 Feb 2026)