LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,508
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,639
−HK$2,165/mo
Today · 4.125%
HK$72,804
baseline
▲ 0.50% · 4.625%
HK$77,234
+HK$4,430/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,608/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,215
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,074/mo
Today · 4.125%
HK$80,333
baseline
▲ 0.50% · 4.625%
HK$84,567
+HK$4,234/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,666/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,210
−HK$5,155/mo
▼ 0.25% · 3.875%
HK$84,767
−HK$2,598/mo
Today · 4.125%
HK$87,365
baseline
▲ 0.50% · 4.625%
HK$92,681
+HK$5,316/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,730/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,458
−HK$4,941/mo
▼ 0.25% · 3.875%
HK$93,911
−HK$2,488/mo
Today · 4.125%
HK$96,399
baseline
▲ 0.50% · 4.625%
HK$101,480
+HK$5,081/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,798/mo (50% DSR)
Upfront cash ≈ HK$13.29M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,912
−HK$6,014/mo
▼ 0.25% · 3.875%
HK$98,895
−HK$3,031/mo
Today · 4.125%
HK$101,926
baseline
▲ 0.50% · 4.625%
HK$108,128
+HK$6,202/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,852/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,701
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,562
−HK$2,904/mo
Today · 4.125%
HK$112,466
baseline
▲ 0.50% · 4.625%
HK$118,394
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,932/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,315
−HK$7,733/mo
▼ 0.25% · 3.875%
HK$127,151
−HK$3,897/mo
Today · 4.125%
HK$131,048
baseline
▲ 0.50% · 4.625%
HK$139,022
+HK$7,974/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,096/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,187
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,866
−HK$3,733/mo
Today · 4.125%
HK$144,599
baseline
▲ 0.50% · 4.625%
HK$152,220
+HK$7,621/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,198/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,876 · Scale 2, in force from 26 Feb 2026)