LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,540
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$2,166/mo
Today · 4.125%
HK$72,838
baseline
▲ 0.50% · 4.625%
HK$77,270
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,676/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,250
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,295
−HK$2,074/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$1,277,458 · 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$92,724
+HK$5,319/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$1,277,458 · 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$101,527
+HK$5,084/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$1,277,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,955
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,940
−HK$3,033/mo
Today · 4.125%
HK$101,973
baseline
▲ 0.50% · 4.625%
HK$108,177
+HK$6,204/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,946/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,458 · 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$118,448
+HK$5,931/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$1,277,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,371
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,209
−HK$3,899/mo
Today · 4.125%
HK$131,108
baseline
▲ 0.50% · 4.625%
HK$139,085
+HK$7,977/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,216/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,458 · 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$1,277,458 · Scale 2, in force from 26 Feb 2026)