LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,916
−HK$4,321/mo
▼ 0.25% · 3.875%
HK$71,059
−HK$2,178/mo
Today · 4.125%
HK$73,237
baseline
▲ 0.50% · 4.625%
HK$77,694
+HK$4,457/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,474/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,668
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$78,724
−HK$2,086/mo
Today · 4.125%
HK$80,810
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,260/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,620/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,699
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,271
−HK$2,614/mo
Today · 4.125%
HK$87,885
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$5,347/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,770/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,002
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$94,469
−HK$2,503/mo
Today · 4.125%
HK$96,972
baseline
▲ 0.50% · 4.625%
HK$102,084
+HK$5,112/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,944/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,482
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,483
−HK$3,049/mo
Today · 4.125%
HK$102,532
baseline
▲ 0.50% · 4.625%
HK$108,771
+HK$6,239/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,064/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,335
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,214
−HK$2,920/mo
Today · 4.125%
HK$113,134
baseline
▲ 0.50% · 4.625%
HK$119,098
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,268/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,048
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,907
−HK$3,920/mo
Today · 4.125%
HK$131,827
baseline
▲ 0.50% · 4.625%
HK$139,849
+HK$8,022/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,654/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,003
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$141,704
−HK$3,754/mo
Today · 4.125%
HK$145,458
baseline
▲ 0.50% · 4.625%
HK$153,126
+HK$7,668/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,916/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,470 · Scale 2, in force from 26 Feb 2026)