LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,514
−HK$4,296/mo
▼ 0.25% · 3.875%
HK$70,645
−HK$2,165/mo
Today · 4.125%
HK$72,810
baseline
▲ 0.50% · 4.625%
HK$77,241
+HK$4,431/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$145,620/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,221
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,265
−HK$2,074/mo
Today · 4.125%
HK$80,339
baseline
▲ 0.50% · 4.625%
HK$84,574
+HK$4,235/mo
Deposit HK$15.02M · loan HK$15.02M · min. income ≈ HK$160,678/mo (50% DSR)
Upfront cash ≈ HK$16.30M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,217
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,599/mo
Today · 4.125%
HK$87,373
baseline
▲ 0.50% · 4.625%
HK$92,689
+HK$5,316/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,746/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,465
−HK$4,942/mo
▼ 0.25% · 3.875%
HK$93,918
−HK$2,489/mo
Today · 4.125%
HK$96,407
baseline
▲ 0.50% · 4.625%
HK$101,489
+HK$5,082/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,814/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,920
−HK$6,015/mo
▼ 0.25% · 3.875%
HK$98,903
−HK$3,032/mo
Today · 4.125%
HK$101,935
baseline
▲ 0.50% · 4.625%
HK$108,137
+HK$6,202/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$203,870/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,710
−HK$5,765/mo
▼ 0.25% · 3.875%
HK$109,571
−HK$2,904/mo
Today · 4.125%
HK$112,475
baseline
▲ 0.50% · 4.625%
HK$118,403
+HK$5,928/mo
Deposit HK$9.01M · loan HK$21.03M · min. income ≈ HK$224,950/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,325
−HK$7,734/mo
▼ 0.25% · 3.875%
HK$127,161
−HK$3,898/mo
Today · 4.125%
HK$131,059
baseline
▲ 0.50% · 4.625%
HK$139,033
+HK$7,974/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$262,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,198
−HK$7,412/mo
▼ 0.25% · 3.875%
HK$140,878
−HK$3,732/mo
Today · 4.125%
HK$144,610
baseline
▲ 0.50% · 4.625%
HK$152,233
+HK$7,623/mo
Deposit HK$3.00M · loan HK$27.04M · min. income ≈ HK$289,220/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,276,982 · Scale 2, in force from 26 Feb 2026)