LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,985
−HK$4,325/mo
▼ 0.25% · 3.875%
HK$71,130
−HK$2,180/mo
Today · 4.125%
HK$73,310
baseline
▲ 0.50% · 4.625%
HK$77,771
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,620/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,745
−HK$4,146/mo
▼ 0.25% · 3.875%
HK$78,803
−HK$2,088/mo
Today · 4.125%
HK$80,891
baseline
▲ 0.50% · 4.625%
HK$85,155
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,782/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,781
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,356
−HK$2,617/mo
Today · 4.125%
HK$87,973
baseline
▲ 0.50% · 4.625%
HK$93,325
+HK$5,352/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,946/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,094
−HK$4,975/mo
▼ 0.25% · 3.875%
HK$94,563
−HK$2,506/mo
Today · 4.125%
HK$97,069
baseline
▲ 0.50% · 4.625%
HK$102,186
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,138/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,578
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,582
−HK$3,053/mo
Today · 4.125%
HK$102,635
baseline
▲ 0.50% · 4.625%
HK$108,880
+HK$6,245/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,270/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,442
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,324
−HK$2,923/mo
Today · 4.125%
HK$113,247
baseline
▲ 0.50% · 4.625%
HK$119,217
+HK$5,970/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,494/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,172
−HK$7,787/mo
▼ 0.25% · 3.875%
HK$128,035
−HK$3,924/mo
Today · 4.125%
HK$131,959
baseline
▲ 0.50% · 4.625%
HK$139,988
+HK$8,029/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,918/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,140
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,845
−HK$3,759/mo
Today · 4.125%
HK$145,604
baseline
▲ 0.50% · 4.625%
HK$153,279
+HK$7,675/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,208/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,752 · Scale 2, in force from 26 Feb 2026)