LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,896
−HK$4,320/mo
▼ 0.25% · 3.875%
HK$71,039
−HK$2,177/mo
Today · 4.125%
HK$73,216
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,432/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,646
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,701
−HK$2,086/mo
Today · 4.125%
HK$80,787
baseline
▲ 0.50% · 4.625%
HK$85,045
+HK$4,258/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,574/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,675
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,247
−HK$2,612/mo
Today · 4.125%
HK$87,859
baseline
▲ 0.50% · 4.625%
HK$93,205
+HK$5,346/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,718/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,975
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,442
−HK$2,502/mo
Today · 4.125%
HK$96,944
baseline
▲ 0.50% · 4.625%
HK$102,054
+HK$5,110/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,888/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,454
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,454
−HK$3,049/mo
Today · 4.125%
HK$102,503
baseline
▲ 0.50% · 4.625%
HK$108,740
+HK$6,237/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$205,006/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,304
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,182
−HK$2,919/mo
Today · 4.125%
HK$113,101
baseline
▲ 0.50% · 4.625%
HK$119,063
+HK$5,962/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,202/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,012
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,870
−HK$3,919/mo
Today · 4.125%
HK$131,789
baseline
▲ 0.50% · 4.625%
HK$139,808
+HK$8,019/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,578/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,962
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,663
−HK$3,753/mo
Today · 4.125%
HK$145,416
baseline
▲ 0.50% · 4.625%
HK$153,081
+HK$7,665/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,832/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,097 · Scale 2, in force from 26 Feb 2026)