LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,540
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$2,167/mo
Today · 4.125%
HK$72,839
baseline
▲ 0.50% · 4.625%
HK$77,271
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,678/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,251
−HK$4,119/mo
▼ 0.25% · 3.875%
HK$78,296
−HK$2,074/mo
Today · 4.125%
HK$80,370
baseline
▲ 0.50% · 4.625%
HK$84,607
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,740/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,249
−HK$5,157/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,599/mo
Today · 4.125%
HK$87,406
baseline
▲ 0.50% · 4.625%
HK$92,725
+HK$5,319/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$174,812/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,501
−HK$4,943/mo
▼ 0.25% · 3.875%
HK$93,955
−HK$2,489/mo
Today · 4.125%
HK$96,444
baseline
▲ 0.50% · 4.625%
HK$101,528
+HK$5,084/mo
Deposit HK$12.02M · loan HK$18.03M · min. income ≈ HK$192,888/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,957
−HK$6,017/mo
▼ 0.25% · 3.875%
HK$98,941
−HK$3,033/mo
Today · 4.125%
HK$101,974
baseline
▲ 0.50% · 4.625%
HK$108,179
+HK$6,205/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,948/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,751
−HK$5,767/mo
▼ 0.25% · 3.875%
HK$109,614
−HK$2,904/mo
Today · 4.125%
HK$112,518
baseline
▲ 0.50% · 4.625%
HK$118,449
+HK$5,931/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,036/mo (50% DSR)
Upfront cash ≈ HK$10.29M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,373
−HK$7,736/mo
▼ 0.25% · 3.875%
HK$127,210
−HK$3,899/mo
Today · 4.125%
HK$131,109
baseline
▲ 0.50% · 4.625%
HK$139,087
+HK$7,978/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,218/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,251
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,932
−HK$3,734/mo
Today · 4.125%
HK$144,666
baseline
▲ 0.50% · 4.625%
HK$152,292
+HK$7,626/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,332/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,476 · Scale 2, in force from 26 Feb 2026)