LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,907
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,050
−HK$2,178/mo
Today · 4.125%
HK$73,228
baseline
▲ 0.50% · 4.625%
HK$77,684
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,456/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,658
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,714
−HK$2,086/mo
Today · 4.125%
HK$80,800
baseline
▲ 0.50% · 4.625%
HK$85,059
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,600/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,688
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,260
−HK$2,614/mo
Today · 4.125%
HK$87,874
baseline
▲ 0.50% · 4.625%
HK$93,221
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,748/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,990
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,457
−HK$2,503/mo
Today · 4.125%
HK$96,960
baseline
▲ 0.50% · 4.625%
HK$102,071
+HK$5,111/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,920/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,470
−HK$6,049/mo
▼ 0.25% · 3.875%
HK$99,471
−HK$3,048/mo
Today · 4.125%
HK$102,519
baseline
▲ 0.50% · 4.625%
HK$108,757
+HK$6,238/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$205,038/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,322
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$110,200
−HK$2,920/mo
Today · 4.125%
HK$113,120
baseline
▲ 0.50% · 4.625%
HK$119,083
+HK$5,963/mo
Deposit HK$9.07M · loan HK$21.15M · min. income ≈ HK$226,240/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,033
−HK$7,778/mo
▼ 0.25% · 3.875%
HK$127,891
−HK$3,920/mo
Today · 4.125%
HK$131,811
baseline
▲ 0.50% · 4.625%
HK$139,831
+HK$8,020/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,622/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,985
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,686
−HK$3,754/mo
Today · 4.125%
HK$145,440
baseline
▲ 0.50% · 4.625%
HK$153,106
+HK$7,666/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,880/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,307 · Scale 2, in force from 26 Feb 2026)