LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,906
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,049
−HK$2,178/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,657
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,713
−HK$2,086/mo
Today · 4.125%
HK$80,799
baseline
▲ 0.50% · 4.625%
HK$85,058
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,598/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,687
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$85,259
−HK$2,613/mo
Today · 4.125%
HK$87,872
baseline
▲ 0.50% · 4.625%
HK$93,219
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,744/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,989
−HK$4,969/mo
▼ 0.25% · 3.875%
HK$94,456
−HK$2,502/mo
Today · 4.125%
HK$96,958
baseline
▲ 0.50% · 4.625%
HK$102,069
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,916/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,468
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,469
−HK$3,049/mo
Today · 4.125%
HK$102,518
baseline
▲ 0.50% · 4.625%
HK$108,756
+HK$6,238/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,036/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,320
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,198
−HK$2,920/mo
Today · 4.125%
HK$113,118
baseline
▲ 0.50% · 4.625%
HK$119,081
+HK$5,963/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,236/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,031
−HK$7,777/mo
▼ 0.25% · 3.875%
HK$127,889
−HK$3,919/mo
Today · 4.125%
HK$131,808
baseline
▲ 0.50% · 4.625%
HK$139,829
+HK$8,021/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,616/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,983
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,683
−HK$3,755/mo
Today · 4.125%
HK$145,438
baseline
▲ 0.50% · 4.625%
HK$153,104
+HK$7,666/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,876/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,286 · Scale 2, in force from 26 Feb 2026)