LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,938
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,082
−HK$2,179/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,719
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,693
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,750
−HK$2,086/mo
Today · 4.125%
HK$80,836
baseline
▲ 0.50% · 4.625%
HK$85,097
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,672/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,726
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,299
−HK$2,614/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$93,263
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,032
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,500
−HK$2,504/mo
Today · 4.125%
HK$97,004
baseline
▲ 0.50% · 4.625%
HK$102,117
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,008/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,513
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,515
−HK$3,051/mo
Today · 4.125%
HK$102,566
baseline
▲ 0.50% · 4.625%
HK$108,806
+HK$6,240/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,132/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,370
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,250
−HK$2,921/mo
Today · 4.125%
HK$113,171
baseline
▲ 0.50% · 4.625%
HK$119,136
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,342/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,089
−HK$7,781/mo
▼ 0.25% · 3.875%
HK$127,948
−HK$3,922/mo
Today · 4.125%
HK$131,870
baseline
▲ 0.50% · 4.625%
HK$139,894
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,740/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,047
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,750
−HK$3,756/mo
Today · 4.125%
HK$145,506
baseline
▲ 0.50% · 4.625%
HK$153,175
+HK$7,669/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,012/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,886 · Scale 2, in force from 26 Feb 2026)