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$77,736
+HK$4,459/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$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,710
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$78,767
−HK$2,087/mo
Today · 4.125%
HK$80,854
baseline
▲ 0.50% · 4.625%
HK$85,116
+HK$4,262/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$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,744
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,318
−HK$2,615/mo
Today · 4.125%
HK$87,933
baseline
▲ 0.50% · 4.625%
HK$93,283
+HK$5,350/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$175,866/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,052
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$94,521
−HK$2,504/mo
Today · 4.125%
HK$97,025
baseline
▲ 0.50% · 4.625%
HK$102,140
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.14M · min. income ≈ HK$194,050/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,535
−HK$6,053/mo
▼ 0.25% · 3.875%
HK$99,537
−HK$3,051/mo
Today · 4.125%
HK$102,588
baseline
▲ 0.50% · 4.625%
HK$108,831
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,176/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,394
−HK$5,802/mo
▼ 0.25% · 3.875%
HK$110,274
−HK$2,922/mo
Today · 4.125%
HK$113,196
baseline
▲ 0.50% · 4.625%
HK$119,163
+HK$5,967/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,392/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,116
−HK$7,783/mo
▼ 0.25% · 3.875%
HK$127,977
−HK$3,922/mo
Today · 4.125%
HK$131,899
baseline
▲ 0.50% · 4.625%
HK$139,925
+HK$8,026/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,798/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,078
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$141,781
−HK$3,757/mo
Today · 4.125%
HK$145,538
baseline
▲ 0.50% · 4.625%
HK$153,209
+HK$7,671/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,076/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,171 · Scale 2, in force from 26 Feb 2026)