LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,539
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$2,166/mo
Today · 4.125%
HK$72,837
baseline
▲ 0.50% · 4.625%
HK$77,269
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,674/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,249
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,294
−HK$2,075/mo
Today · 4.125%
HK$80,369
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,236/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,738/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,806
−HK$2,599/mo
Today · 4.125%
HK$87,405
baseline
▲ 0.50% · 4.625%
HK$92,723
+HK$5,318/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,810/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,499
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,953
−HK$2,490/mo
Today · 4.125%
HK$96,443
baseline
▲ 0.50% · 4.625%
HK$101,526
+HK$5,083/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,886/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,955
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,940
−HK$3,032/mo
Today · 4.125%
HK$101,972
baseline
▲ 0.50% · 4.625%
HK$108,177
+HK$6,205/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,944/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,749
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,612
−HK$2,905/mo
Today · 4.125%
HK$112,517
baseline
▲ 0.50% · 4.625%
HK$118,447
+HK$5,930/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,034/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,371
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$127,209
−HK$3,898/mo
Today · 4.125%
HK$131,107
baseline
▲ 0.50% · 4.625%
HK$139,085
+HK$7,978/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,214/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,249
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,930
−HK$3,734/mo
Today · 4.125%
HK$144,664
baseline
▲ 0.50% · 4.625%
HK$152,290
+HK$7,626/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,328/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,456 · Scale 2, in force from 26 Feb 2026)