LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,892
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,035
−HK$2,177/mo
Today · 4.125%
HK$73,212
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,424/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,642
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,698
−HK$2,085/mo
Today · 4.125%
HK$80,783
baseline
▲ 0.50% · 4.625%
HK$85,041
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,566/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,671
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,242
−HK$2,613/mo
Today · 4.125%
HK$87,855
baseline
▲ 0.50% · 4.625%
HK$93,201
+HK$5,346/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,710/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,970
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,437
−HK$2,502/mo
Today · 4.125%
HK$96,939
baseline
▲ 0.50% · 4.625%
HK$102,049
+HK$5,110/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,878/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,449
−HK$6,048/mo
▼ 0.25% · 3.875%
HK$99,449
−HK$3,048/mo
Today · 4.125%
HK$102,497
baseline
▲ 0.50% · 4.625%
HK$108,734
+HK$6,237/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$204,994/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,299
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,177
−HK$2,919/mo
Today · 4.125%
HK$113,096
baseline
▲ 0.50% · 4.625%
HK$119,057
+HK$5,961/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,192/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,006
−HK$7,776/mo
▼ 0.25% · 3.875%
HK$127,864
−HK$3,918/mo
Today · 4.125%
HK$131,782
baseline
▲ 0.50% · 4.625%
HK$139,801
+HK$8,019/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,564/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,956
−HK$7,453/mo
▼ 0.25% · 3.875%
HK$141,656
−HK$3,753/mo
Today · 4.125%
HK$145,409
baseline
▲ 0.50% · 4.625%
HK$153,074
+HK$7,665/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,818/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,033 · Scale 2, in force from 26 Feb 2026)