LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,902
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,045
−HK$2,178/mo
Today · 4.125%
HK$73,223
baseline
▲ 0.50% · 4.625%
HK$77,678
+HK$4,455/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,446/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,653
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$78,708
−HK$2,086/mo
Today · 4.125%
HK$80,794
baseline
▲ 0.50% · 4.625%
HK$85,053
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,588/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,682
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,254
−HK$2,613/mo
Today · 4.125%
HK$87,867
baseline
▲ 0.50% · 4.625%
HK$93,213
+HK$5,346/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,734/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,983
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,450
−HK$2,503/mo
Today · 4.125%
HK$96,953
baseline
▲ 0.50% · 4.625%
HK$102,063
+HK$5,110/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,906/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,462
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,463
−HK$3,049/mo
Today · 4.125%
HK$102,512
baseline
▲ 0.50% · 4.625%
HK$108,749
+HK$6,237/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$205,024/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,314
−HK$5,797/mo
▼ 0.25% · 3.875%
HK$110,192
−HK$2,919/mo
Today · 4.125%
HK$113,111
baseline
▲ 0.50% · 4.625%
HK$119,074
+HK$5,963/mo
Deposit HK$9.06M · loan HK$21.15M · min. income ≈ HK$226,222/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,023
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,881
−HK$3,920/mo
Today · 4.125%
HK$131,801
baseline
▲ 0.50% · 4.625%
HK$139,820
+HK$8,019/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,602/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,975
−HK$7,454/mo
▼ 0.25% · 3.875%
HK$141,675
−HK$3,754/mo
Today · 4.125%
HK$145,429
baseline
▲ 0.50% · 4.625%
HK$153,095
+HK$7,666/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,858/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,209 · Scale 2, in force from 26 Feb 2026)