LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,940
−HK$4,323/mo
▼ 0.25% · 3.875%
HK$71,085
−HK$2,178/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$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,695
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,752
−HK$2,087/mo
Today · 4.125%
HK$80,839
baseline
▲ 0.50% · 4.625%
HK$85,100
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,678/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,728
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$85,301
−HK$2,615/mo
Today · 4.125%
HK$87,916
baseline
▲ 0.50% · 4.625%
HK$93,265
+HK$5,349/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$175,832/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,034
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,503
−HK$2,504/mo
Today · 4.125%
HK$97,007
baseline
▲ 0.50% · 4.625%
HK$102,120
+HK$5,113/mo
Deposit HK$12.09M · loan HK$18.14M · min. income ≈ HK$194,014/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,516
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,518
−HK$3,051/mo
Today · 4.125%
HK$102,569
baseline
▲ 0.50% · 4.625%
HK$108,810
+HK$6,241/mo
Deposit HK$9.07M · loan HK$21.16M · min. income ≈ HK$205,138/mo (50% DSR)
Upfront cash ≈ HK$10.35M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,373
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$110,253
−HK$2,921/mo
Today · 4.125%
HK$113,174
baseline
▲ 0.50% · 4.625%
HK$119,140
+HK$5,966/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$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,092
−HK$7,782/mo
▼ 0.25% · 3.875%
HK$127,952
−HK$3,922/mo
Today · 4.125%
HK$131,874
baseline
▲ 0.50% · 4.625%
HK$139,898
+HK$8,024/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$263,748/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,051
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,754
−HK$3,756/mo
Today · 4.125%
HK$145,510
baseline
▲ 0.50% · 4.625%
HK$153,180
+HK$7,670/mo
Deposit HK$3.02M · loan HK$27.21M · min. income ≈ HK$291,020/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,284,924 · Scale 2, in force from 26 Feb 2026)