LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,917
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,061
−HK$2,178/mo
Today · 4.125%
HK$73,239
baseline
▲ 0.50% · 4.625%
HK$77,695
+HK$4,456/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,478/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,669
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,726
−HK$2,086/mo
Today · 4.125%
HK$80,812
baseline
▲ 0.50% · 4.625%
HK$85,071
+HK$4,259/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,624/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,700
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$85,273
−HK$2,613/mo
Today · 4.125%
HK$87,886
baseline
▲ 0.50% · 4.625%
HK$93,234
+HK$5,348/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$175,772/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,003
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,471
−HK$2,503/mo
Today · 4.125%
HK$96,974
baseline
▲ 0.50% · 4.625%
HK$102,086
+HK$5,112/mo
Deposit HK$12.09M · loan HK$18.13M · min. income ≈ HK$193,948/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,484
−HK$6,050/mo
▼ 0.25% · 3.875%
HK$99,485
−HK$3,049/mo
Today · 4.125%
HK$102,534
baseline
▲ 0.50% · 4.625%
HK$108,773
+HK$6,239/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,068/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,337
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$110,216
−HK$2,920/mo
Today · 4.125%
HK$113,136
baseline
▲ 0.50% · 4.625%
HK$119,100
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,272/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,050
−HK$7,779/mo
▼ 0.25% · 3.875%
HK$127,909
−HK$3,920/mo
Today · 4.125%
HK$131,829
baseline
▲ 0.50% · 4.625%
HK$139,851
+HK$8,022/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,658/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,005
−HK$7,456/mo
▼ 0.25% · 3.875%
HK$141,706
−HK$3,755/mo
Today · 4.125%
HK$145,461
baseline
▲ 0.50% · 4.625%
HK$153,128
+HK$7,667/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,922/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,491 · Scale 2, in force from 26 Feb 2026)