LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,966
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,112
−HK$2,179/mo
Today · 4.125%
HK$73,291
baseline
▲ 0.50% · 4.625%
HK$77,751
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,582/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,724
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,782
−HK$2,088/mo
Today · 4.125%
HK$80,870
baseline
▲ 0.50% · 4.625%
HK$85,132
+HK$4,262/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,740/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,760
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$85,334
−HK$2,615/mo
Today · 4.125%
HK$87,949
baseline
▲ 0.50% · 4.625%
HK$93,301
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,898/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,069
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,538
−HK$2,505/mo
Today · 4.125%
HK$97,043
baseline
▲ 0.50% · 4.625%
HK$102,159
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,086/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,553
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,556
−HK$3,052/mo
Today · 4.125%
HK$102,608
baseline
▲ 0.50% · 4.625%
HK$108,851
+HK$6,243/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,216/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,414
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$110,295
−HK$2,922/mo
Today · 4.125%
HK$113,217
baseline
▲ 0.50% · 4.625%
HK$119,185
+HK$5,968/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,434/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,139
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,001
−HK$3,923/mo
Today · 4.125%
HK$131,924
baseline
▲ 0.50% · 4.625%
HK$139,951
+HK$8,027/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,848/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,104
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$141,808
−HK$3,757/mo
Today · 4.125%
HK$145,565
baseline
▲ 0.50% · 4.625%
HK$153,238
+HK$7,673/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,130/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,413 · Scale 2, in force from 26 Feb 2026)