LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,991
−HK$4,327/mo
▼ 0.25% · 3.875%
HK$71,137
−HK$2,181/mo
Today · 4.125%
HK$73,318
baseline
▲ 0.50% · 4.625%
HK$77,779
+HK$4,461/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,636/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,752
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,811
−HK$2,088/mo
Today · 4.125%
HK$80,899
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,264/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,798/mo (50% DSR)
Upfront cash ≈ HK$16.41M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,790
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$85,365
−HK$2,616/mo
Today · 4.125%
HK$87,981
baseline
▲ 0.50% · 4.625%
HK$93,335
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$175,962/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,103
−HK$4,976/mo
▼ 0.25% · 3.875%
HK$94,573
−HK$2,506/mo
Today · 4.125%
HK$97,079
baseline
▲ 0.50% · 4.625%
HK$102,196
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.15M · min. income ≈ HK$194,158/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,588
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,592
−HK$3,053/mo
Today · 4.125%
HK$102,645
baseline
▲ 0.50% · 4.625%
HK$108,890
+HK$6,245/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,290/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,453
−HK$5,805/mo
▼ 0.25% · 3.875%
HK$110,335
−HK$2,923/mo
Today · 4.125%
HK$113,258
baseline
▲ 0.50% · 4.625%
HK$119,228
+HK$5,970/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,516/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,184
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,047
−HK$3,925/mo
Today · 4.125%
HK$131,972
baseline
▲ 0.50% · 4.625%
HK$140,002
+HK$8,030/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,944/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,154
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,859
−HK$3,759/mo
Today · 4.125%
HK$145,618
baseline
▲ 0.50% · 4.625%
HK$153,294
+HK$7,676/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,236/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,878 · Scale 2, in force from 26 Feb 2026)