LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,980
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,126
−HK$2,180/mo
Today · 4.125%
HK$73,306
baseline
▲ 0.50% · 4.625%
HK$77,767
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,612/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,740
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,798
−HK$2,088/mo
Today · 4.125%
HK$80,886
baseline
▲ 0.50% · 4.625%
HK$85,150
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,772/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,777
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$85,351
−HK$2,616/mo
Today · 4.125%
HK$87,967
baseline
▲ 0.50% · 4.625%
HK$93,320
+HK$5,353/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,934/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,088
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,558
−HK$2,505/mo
Today · 4.125%
HK$97,063
baseline
▲ 0.50% · 4.625%
HK$102,180
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,126/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,573
−HK$6,056/mo
▼ 0.25% · 3.875%
HK$99,577
−HK$3,052/mo
Today · 4.125%
HK$102,629
baseline
▲ 0.50% · 4.625%
HK$108,873
+HK$6,244/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,258/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,436
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,317
−HK$2,924/mo
Today · 4.125%
HK$113,241
baseline
▲ 0.50% · 4.625%
HK$119,210
+HK$5,969/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,482/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,165
−HK$7,786/mo
▼ 0.25% · 3.875%
HK$128,027
−HK$3,924/mo
Today · 4.125%
HK$131,951
baseline
▲ 0.50% · 4.625%
HK$139,980
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,902/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,132
−HK$7,463/mo
▼ 0.25% · 3.875%
HK$141,837
−HK$3,758/mo
Today · 4.125%
HK$145,595
baseline
▲ 0.50% · 4.625%
HK$153,270
+HK$7,675/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,190/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,676 · Scale 2, in force from 26 Feb 2026)