LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,479
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,609
−HK$2,165/mo
Today · 4.125%
HK$72,774
baseline
▲ 0.50% · 4.625%
HK$77,202
+HK$4,428/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,548/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,183
−HK$4,115/mo
▼ 0.25% · 3.875%
HK$78,226
−HK$2,072/mo
Today · 4.125%
HK$80,298
baseline
▲ 0.50% · 4.625%
HK$84,531
+HK$4,233/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,596/mo (50% DSR)
Upfront cash ≈ HK$16.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,175
−HK$5,153/mo
▼ 0.25% · 3.875%
HK$84,731
−HK$2,597/mo
Today · 4.125%
HK$87,328
baseline
▲ 0.50% · 4.625%
HK$92,642
+HK$5,314/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$174,656/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,419
−HK$4,939/mo
▼ 0.25% · 3.875%
HK$93,871
−HK$2,487/mo
Today · 4.125%
HK$96,358
baseline
▲ 0.50% · 4.625%
HK$101,437
+HK$5,079/mo
Deposit HK$12.01M · loan HK$18.02M · min. income ≈ HK$192,716/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,871
−HK$6,012/mo
▼ 0.25% · 3.875%
HK$98,853
−HK$3,030/mo
Today · 4.125%
HK$101,883
baseline
▲ 0.50% · 4.625%
HK$108,082
+HK$6,199/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$203,766/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,656
−HK$5,762/mo
▼ 0.25% · 3.875%
HK$109,516
−HK$2,902/mo
Today · 4.125%
HK$112,418
baseline
▲ 0.50% · 4.625%
HK$118,343
+HK$5,925/mo
Deposit HK$9.01M · loan HK$21.02M · min. income ≈ HK$224,836/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,263
−HK$7,729/mo
▼ 0.25% · 3.875%
HK$127,097
−HK$3,895/mo
Today · 4.125%
HK$130,992
baseline
▲ 0.50% · 4.625%
HK$138,963
+HK$7,971/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$261,984/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,129
−HK$7,408/mo
▼ 0.25% · 3.875%
HK$140,806
−HK$3,731/mo
Today · 4.125%
HK$144,537
baseline
▲ 0.50% · 4.625%
HK$152,156
+HK$7,619/mo
Deposit HK$3.00M · loan HK$27.03M · min. income ≈ HK$289,074/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,335 · Scale 2, in force from 26 Feb 2026)