LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,506
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$2,165/mo
Today · 4.125%
HK$72,802
baseline
▲ 0.50% · 4.625%
HK$77,232
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,604/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,212
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,256
−HK$2,074/mo
Today · 4.125%
HK$80,330
baseline
▲ 0.50% · 4.625%
HK$84,564
+HK$4,234/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,660/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,207
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,764
−HK$2,598/mo
Today · 4.125%
HK$87,362
baseline
▲ 0.50% · 4.625%
HK$92,678
+HK$5,316/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,724/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,455
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,907
−HK$2,489/mo
Today · 4.125%
HK$96,396
baseline
▲ 0.50% · 4.625%
HK$101,477
+HK$5,081/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,792/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,908
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,892
−HK$3,031/mo
Today · 4.125%
HK$101,923
baseline
▲ 0.50% · 4.625%
HK$108,124
+HK$6,201/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,846/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,697
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,559
−HK$2,903/mo
Today · 4.125%
HK$112,462
baseline
▲ 0.50% · 4.625%
HK$118,390
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,924/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,311
−HK$7,732/mo
▼ 0.25% · 3.875%
HK$127,146
−HK$3,897/mo
Today · 4.125%
HK$131,043
baseline
▲ 0.50% · 4.625%
HK$139,017
+HK$7,974/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,086/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,182
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,861
−HK$3,732/mo
Today · 4.125%
HK$144,593
baseline
▲ 0.50% · 4.625%
HK$152,215
+HK$7,622/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,186/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,832 · Scale 2, in force from 26 Feb 2026)