LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,926
−HK$4,322/mo
▼ 0.25% · 3.875%
HK$71,070
−HK$2,178/mo
Today · 4.125%
HK$73,248
baseline
▲ 0.50% · 4.625%
HK$77,705
+HK$4,457/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,496/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,679
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,736
−HK$2,086/mo
Today · 4.125%
HK$80,822
baseline
▲ 0.50% · 4.625%
HK$85,082
+HK$4,260/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,644/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,284
−HK$2,614/mo
Today · 4.125%
HK$87,898
baseline
▲ 0.50% · 4.625%
HK$93,246
+HK$5,348/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,796/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,015
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$94,483
−HK$2,503/mo
Today · 4.125%
HK$96,986
baseline
▲ 0.50% · 4.625%
HK$102,099
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,972/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,496
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,498
−HK$3,049/mo
Today · 4.125%
HK$102,547
baseline
▲ 0.50% · 4.625%
HK$108,787
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,094/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,351
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,230
−HK$2,921/mo
Today · 4.125%
HK$113,151
baseline
▲ 0.50% · 4.625%
HK$119,115
+HK$5,964/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,302/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,066
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,926
−HK$3,921/mo
Today · 4.125%
HK$131,847
baseline
▲ 0.50% · 4.625%
HK$139,869
+HK$8,022/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$263,694/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,023
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,724
−HK$3,756/mo
Today · 4.125%
HK$145,480
baseline
▲ 0.50% · 4.625%
HK$153,148
+HK$7,668/mo
Deposit HK$3.02M · loan HK$27.20M · min. income ≈ HK$290,960/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,657 · Scale 2, in force from 26 Feb 2026)