LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,953
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,098
−HK$2,179/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,735
+HK$4,458/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,709
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,767
−HK$2,087/mo
Today · 4.125%
HK$80,854
baseline
▲ 0.50% · 4.625%
HK$85,115
+HK$4,261/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,708/mo (50% DSR)
Upfront cash ≈ HK$16.40M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,743
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,317
−HK$2,615/mo
Today · 4.125%
HK$87,932
baseline
▲ 0.50% · 4.625%
HK$93,282
+HK$5,350/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,864/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,051
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,520
−HK$2,504/mo
Today · 4.125%
HK$97,024
baseline
▲ 0.50% · 4.625%
HK$102,139
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,048/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,534
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,537
−HK$3,050/mo
Today · 4.125%
HK$102,587
baseline
▲ 0.50% · 4.625%
HK$108,830
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,174/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,393
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,273
−HK$2,922/mo
Today · 4.125%
HK$113,195
baseline
▲ 0.50% · 4.625%
HK$119,162
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,390/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,115
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,976
−HK$3,922/mo
Today · 4.125%
HK$131,898
baseline
▲ 0.50% · 4.625%
HK$139,924
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,796/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,077
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$141,780
−HK$3,756/mo
Today · 4.125%
HK$145,536
baseline
▲ 0.50% · 4.625%
HK$153,208
+HK$7,672/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,072/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,159 · Scale 2, in force from 26 Feb 2026)