LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,931
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,075
−HK$2,179/mo
Today · 4.125%
HK$73,254
baseline
▲ 0.50% · 4.625%
HK$77,711
+HK$4,457/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$146,508/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,685
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,742
−HK$2,086/mo
Today · 4.125%
HK$80,828
baseline
▲ 0.50% · 4.625%
HK$85,089
+HK$4,261/mo
Deposit HK$15.11M · loan HK$15.11M · min. income ≈ HK$161,656/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,718
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,291
−HK$2,614/mo
Today · 4.125%
HK$87,905
baseline
▲ 0.50% · 4.625%
HK$93,253
+HK$5,348/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,810/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,022
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,490
−HK$2,504/mo
Today · 4.125%
HK$96,994
baseline
▲ 0.50% · 4.625%
HK$102,107
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$193,988/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,504
−HK$6,051/mo
▼ 0.25% · 3.875%
HK$99,506
−HK$3,049/mo
Today · 4.125%
HK$102,555
baseline
▲ 0.50% · 4.625%
HK$108,796
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,110/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,360
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$110,239
−HK$2,921/mo
Today · 4.125%
HK$113,160
baseline
▲ 0.50% · 4.625%
HK$119,125
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,320/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,076
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,936
−HK$3,921/mo
Today · 4.125%
HK$131,857
baseline
▲ 0.50% · 4.625%
HK$139,880
+HK$8,023/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,714/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,034
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$141,736
−HK$3,755/mo
Today · 4.125%
HK$145,491
baseline
▲ 0.50% · 4.625%
HK$153,160
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$290,982/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,760 · Scale 2, in force from 26 Feb 2026)