LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,937
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,081
−HK$2,179/mo
Today · 4.125%
HK$73,260
baseline
▲ 0.50% · 4.625%
HK$77,717
+HK$4,457/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,520/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,691
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,748
−HK$2,087/mo
Today · 4.125%
HK$80,835
baseline
▲ 0.50% · 4.625%
HK$85,096
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,670/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,724
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,297
−HK$2,614/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$93,261
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,030
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,498
−HK$2,504/mo
Today · 4.125%
HK$97,002
baseline
▲ 0.50% · 4.625%
HK$102,115
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,004/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,511
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,513
−HK$3,050/mo
Today · 4.125%
HK$102,563
baseline
▲ 0.50% · 4.625%
HK$108,804
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,126/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,368
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,247
−HK$2,922/mo
Today · 4.125%
HK$113,169
baseline
▲ 0.50% · 4.625%
HK$119,134
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,338/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,086
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,946
−HK$3,921/mo
Today · 4.125%
HK$131,867
baseline
▲ 0.50% · 4.625%
HK$139,891
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,734/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,044
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,747
−HK$3,755/mo
Today · 4.125%
HK$145,502
baseline
▲ 0.50% · 4.625%
HK$153,172
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,004/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,858 · Scale 2, in force from 26 Feb 2026)