LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,890
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$2,177/mo
Today · 4.125%
HK$73,210
baseline
▲ 0.50% · 4.625%
HK$77,665
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,420/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,640
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,695
−HK$2,085/mo
Today · 4.125%
HK$80,780
baseline
▲ 0.50% · 4.625%
HK$85,038
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,560/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,668
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,240
−HK$2,612/mo
Today · 4.125%
HK$87,852
baseline
▲ 0.50% · 4.625%
HK$93,198
+HK$5,346/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$175,704/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,968
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,434
−HK$2,502/mo
Today · 4.125%
HK$96,936
baseline
▲ 0.50% · 4.625%
HK$102,046
+HK$5,110/mo
Deposit HK$12.08M · loan HK$18.13M · min. income ≈ HK$193,872/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,446
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,446
−HK$3,048/mo
Today · 4.125%
HK$102,494
baseline
▲ 0.50% · 4.625%
HK$108,731
+HK$6,237/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,988/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,296
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,173
−HK$2,919/mo
Today · 4.125%
HK$113,092
baseline
▲ 0.50% · 4.625%
HK$119,054
+HK$5,962/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,184/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,002
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,860
−HK$3,919/mo
Today · 4.125%
HK$131,779
baseline
▲ 0.50% · 4.625%
HK$139,797
+HK$8,018/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,558/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,951
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,651
−HK$3,754/mo
Today · 4.125%
HK$145,405
baseline
▲ 0.50% · 4.625%
HK$153,069
+HK$7,664/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,810/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,283,995 · Scale 2, in force from 26 Feb 2026)