LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,940
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$2,179/mo
Today · 4.125%
HK$73,263
baseline
▲ 0.50% · 4.625%
HK$77,721
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,526/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$78,752
−HK$2,086/mo
Today · 4.125%
HK$80,838
baseline
▲ 0.50% · 4.625%
HK$85,099
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,676/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,728
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$85,301
−HK$2,614/mo
Today · 4.125%
HK$87,915
baseline
▲ 0.50% · 4.625%
HK$93,265
+HK$5,350/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,830/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,034
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$94,502
−HK$2,504/mo
Today · 4.125%
HK$97,006
baseline
▲ 0.50% · 4.625%
HK$102,119
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,012/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,516
−HK$6,052/mo
▼ 0.25% · 3.875%
HK$99,518
−HK$3,050/mo
Today · 4.125%
HK$102,568
baseline
▲ 0.50% · 4.625%
HK$108,809
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,136/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,373
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,252
−HK$2,922/mo
Today · 4.125%
HK$113,174
baseline
▲ 0.50% · 4.625%
HK$119,139
+HK$5,965/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$226,348/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,091
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,951
−HK$3,922/mo
Today · 4.125%
HK$131,873
baseline
▲ 0.50% · 4.625%
HK$139,897
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,746/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,051
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$141,753
−HK$3,756/mo
Today · 4.125%
HK$145,509
baseline
▲ 0.50% · 4.625%
HK$153,179
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,018/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,916 · Scale 2, in force from 26 Feb 2026)