LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,507
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,638
−HK$2,165/mo
Today · 4.125%
HK$72,803
baseline
▲ 0.50% · 4.625%
HK$77,233
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,606/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,213
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,257
−HK$2,074/mo
Today · 4.125%
HK$80,331
baseline
▲ 0.50% · 4.625%
HK$84,565
+HK$4,234/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,662/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,208
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,765
−HK$2,598/mo
Today · 4.125%
HK$87,363
baseline
▲ 0.50% · 4.625%
HK$92,679
+HK$5,316/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,726/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,456
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,909
−HK$2,488/mo
Today · 4.125%
HK$96,397
baseline
▲ 0.50% · 4.625%
HK$101,478
+HK$5,081/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,794/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,910
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,893
−HK$3,031/mo
Today · 4.125%
HK$101,924
baseline
▲ 0.50% · 4.625%
HK$108,126
+HK$6,202/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,848/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,698
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,560
−HK$2,903/mo
Today · 4.125%
HK$112,463
baseline
▲ 0.50% · 4.625%
HK$118,391
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,926/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,312
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,148
−HK$3,897/mo
Today · 4.125%
HK$131,045
baseline
▲ 0.50% · 4.625%
HK$139,019
+HK$7,974/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,090/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,184
−HK$7,411/mo
▼ 0.25% · 3.875%
HK$140,863
−HK$3,732/mo
Today · 4.125%
HK$144,595
baseline
▲ 0.50% · 4.625%
HK$152,217
+HK$7,622/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,190/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,849 · Scale 2, in force from 26 Feb 2026)