LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,998
−HK$4,326/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$2,180/mo
Today · 4.125%
HK$73,324
baseline
▲ 0.50% · 4.625%
HK$77,786
+HK$4,462/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$146,648/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,759
−HK$4,147/mo
▼ 0.25% · 3.875%
HK$78,818
−HK$2,088/mo
Today · 4.125%
HK$80,906
baseline
▲ 0.50% · 4.625%
HK$85,171
+HK$4,265/mo
Deposit HK$15.13M · loan HK$15.13M · min. income ≈ HK$161,812/mo (50% DSR)
Upfront cash ≈ HK$16.42M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,797
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$85,373
−HK$2,616/mo
Today · 4.125%
HK$87,989
baseline
▲ 0.50% · 4.625%
HK$93,343
+HK$5,354/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$175,978/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,111
−HK$4,977/mo
▼ 0.25% · 3.875%
HK$94,582
−HK$2,506/mo
Today · 4.125%
HK$97,088
baseline
▲ 0.50% · 4.625%
HK$102,205
+HK$5,117/mo
Deposit HK$12.10M · loan HK$18.16M · min. income ≈ HK$194,176/mo (50% DSR)
Upfront cash ≈ HK$13.39M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,597
−HK$6,057/mo
▼ 0.25% · 3.875%
HK$99,602
−HK$3,052/mo
Today · 4.125%
HK$102,654
baseline
▲ 0.50% · 4.625%
HK$108,901
+HK$6,247/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$205,308/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,463
−HK$5,806/mo
▼ 0.25% · 3.875%
HK$110,345
−HK$2,924/mo
Today · 4.125%
HK$113,269
baseline
▲ 0.50% · 4.625%
HK$119,239
+HK$5,970/mo
Deposit HK$9.08M · loan HK$21.18M · min. income ≈ HK$226,538/mo (50% DSR)
Upfront cash ≈ HK$10.36M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,196
−HK$7,788/mo
▼ 0.25% · 3.875%
HK$128,059
−HK$3,925/mo
Today · 4.125%
HK$131,984
baseline
▲ 0.50% · 4.625%
HK$140,015
+HK$8,031/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$263,968/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,167
−HK$7,464/mo
▼ 0.25% · 3.875%
HK$141,872
−HK$3,759/mo
Today · 4.125%
HK$145,631
baseline
▲ 0.50% · 4.625%
HK$153,308
+HK$7,677/mo
Deposit HK$3.03M · loan HK$27.23M · min. income ≈ HK$291,262/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$1,285,998 · Scale 2, in force from 26 Feb 2026)