LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,973
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,119
−HK$2,180/mo
Today · 4.125%
HK$73,299
baseline
▲ 0.50% · 4.625%
HK$77,759
+HK$4,460/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$146,598/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,732
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,790
−HK$2,088/mo
Today · 4.125%
HK$80,878
baseline
▲ 0.50% · 4.625%
HK$85,141
+HK$4,263/mo
Deposit HK$15.12M · loan HK$15.12M · min. income ≈ HK$161,756/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,768
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,343
−HK$2,615/mo
Today · 4.125%
HK$87,958
baseline
▲ 0.50% · 4.625%
HK$93,310
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,916/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,079
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$94,548
−HK$2,505/mo
Today · 4.125%
HK$97,053
baseline
▲ 0.50% · 4.625%
HK$102,169
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,106/mo (50% DSR)
Upfront cash ≈ HK$13.38M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,563
−HK$6,055/mo
▼ 0.25% · 3.875%
HK$99,566
−HK$3,052/mo
Today · 4.125%
HK$102,618
baseline
▲ 0.50% · 4.625%
HK$108,862
+HK$6,244/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$205,236/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,425
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,306
−HK$2,923/mo
Today · 4.125%
HK$113,229
baseline
▲ 0.50% · 4.625%
HK$119,197
+HK$5,968/mo
Deposit HK$9.07M · loan HK$21.17M · min. income ≈ HK$226,458/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,152
−HK$7,785/mo
▼ 0.25% · 3.875%
HK$128,014
−HK$3,923/mo
Today · 4.125%
HK$131,937
baseline
▲ 0.50% · 4.625%
HK$139,966
+HK$8,029/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$263,874/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,118
−HK$7,462/mo
▼ 0.25% · 3.875%
HK$141,822
−HK$3,758/mo
Today · 4.125%
HK$145,580
baseline
▲ 0.50% · 4.625%
HK$153,254
+HK$7,674/mo
Deposit HK$3.02M · loan HK$27.22M · min. income ≈ HK$291,160/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,543 · Scale 2, in force from 26 Feb 2026)