LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,963
−HK$4,324/mo
▼ 0.25% · 3.875%
HK$71,108
−HK$2,179/mo
Today · 4.125%
HK$73,287
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$4,459/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,574/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,720
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$78,778
−HK$2,087/mo
Today · 4.125%
HK$80,865
baseline
▲ 0.50% · 4.625%
HK$85,128
+HK$4,263/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,730/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,755
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,329
−HK$2,616/mo
Today · 4.125%
HK$87,945
baseline
▲ 0.50% · 4.625%
HK$93,296
+HK$5,351/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,890/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,064
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,533
−HK$2,505/mo
Today · 4.125%
HK$97,038
baseline
▲ 0.50% · 4.625%
HK$102,153
+HK$5,115/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,076/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,548
−HK$6,054/mo
▼ 0.25% · 3.875%
HK$99,551
−HK$3,051/mo
Today · 4.125%
HK$102,602
baseline
▲ 0.50% · 4.625%
HK$108,845
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,204/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,408
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,289
−HK$2,922/mo
Today · 4.125%
HK$113,211
baseline
▲ 0.50% · 4.625%
HK$119,179
+HK$5,968/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,422/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,133
−HK$7,784/mo
▼ 0.25% · 3.875%
HK$127,994
−HK$3,923/mo
Today · 4.125%
HK$131,917
baseline
▲ 0.50% · 4.625%
HK$139,944
+HK$8,027/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,834/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,096
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,800
−HK$3,757/mo
Today · 4.125%
HK$145,557
baseline
▲ 0.50% · 4.625%
HK$153,230
+HK$7,673/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,114/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,342 · Scale 2, in force from 26 Feb 2026)