LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,978
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,124
−HK$2,179/mo
Today · 4.125%
HK$73,303
baseline
▲ 0.50% · 4.625%
HK$77,764
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,606/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,737
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,795
−HK$2,088/mo
Today · 4.125%
HK$80,883
baseline
▲ 0.50% · 4.625%
HK$85,147
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,766/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,774
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,348
−HK$2,616/mo
Today · 4.125%
HK$87,964
baseline
▲ 0.50% · 4.625%
HK$93,317
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,928/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,085
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,554
−HK$2,506/mo
Today · 4.125%
HK$97,060
baseline
▲ 0.50% · 4.625%
HK$102,176
+HK$5,116/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,120/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,569
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,573
−HK$3,052/mo
Today · 4.125%
HK$102,625
baseline
▲ 0.50% · 4.625%
HK$108,869
+HK$6,244/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,250/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,432
−HK$5,804/mo
▼ 0.25% · 3.875%
HK$110,313
−HK$2,923/mo
Today · 4.125%
HK$113,236
baseline
▲ 0.50% · 4.625%
HK$119,205
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,472/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,160
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,022
−HK$3,924/mo
Today · 4.125%
HK$131,946
baseline
▲ 0.50% · 4.625%
HK$139,975
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,892/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,127
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,832
−HK$3,758/mo
Today · 4.125%
HK$145,590
baseline
▲ 0.50% · 4.625%
HK$153,264
+HK$7,674/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,180/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,629 · Scale 2, in force from 26 Feb 2026)