LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,898
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,041
−HK$2,178/mo
Today · 4.125%
HK$73,219
baseline
▲ 0.50% · 4.625%
HK$77,674
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,438/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,648
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,704
−HK$2,085/mo
Today · 4.125%
HK$80,789
baseline
▲ 0.50% · 4.625%
HK$85,048
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,578/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,678
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$85,249
−HK$2,613/mo
Today · 4.125%
HK$87,862
baseline
▲ 0.50% · 4.625%
HK$93,208
+HK$5,346/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,724/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,978
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,445
−HK$2,502/mo
Today · 4.125%
HK$96,947
baseline
▲ 0.50% · 4.625%
HK$102,058
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,894/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,457
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,458
−HK$3,048/mo
Today · 4.125%
HK$102,506
baseline
▲ 0.50% · 4.625%
HK$108,743
+HK$6,237/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$205,012/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,308
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,186
−HK$2,919/mo
Today · 4.125%
HK$113,105
baseline
▲ 0.50% · 4.625%
HK$119,067
+HK$5,962/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,210/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,016
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,874
−HK$3,919/mo
Today · 4.125%
HK$131,793
baseline
▲ 0.50% · 4.625%
HK$139,813
+HK$8,020/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$263,586/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,967
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,667
−HK$3,754/mo
Today · 4.125%
HK$145,421
baseline
▲ 0.50% · 4.625%
HK$153,086
+HK$7,665/mo
Deposit HK$3.02M · loan HK$27.19M · min. income ≈ HK$290,842/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,139 · Scale 2, in force from 26 Feb 2026)