LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,547
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,679
−HK$2,166/mo
Today · 4.125%
HK$72,845
baseline
▲ 0.50% · 4.625%
HK$77,278
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,690/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,258
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,303
−HK$2,075/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$84,615
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,256
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,815
−HK$2,599/mo
Today · 4.125%
HK$87,414
baseline
▲ 0.50% · 4.625%
HK$92,733
+HK$5,319/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$174,828/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,509
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,964
−HK$2,489/mo
Today · 4.125%
HK$96,453
baseline
▲ 0.50% · 4.625%
HK$101,537
+HK$5,084/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$192,906/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,966
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,951
−HK$3,033/mo
Today · 4.125%
HK$101,984
baseline
▲ 0.50% · 4.625%
HK$108,189
+HK$6,205/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,968/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,761
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,624
−HK$2,905/mo
Today · 4.125%
HK$112,529
baseline
▲ 0.50% · 4.625%
HK$118,460
+HK$5,931/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,058/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,384
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,222
−HK$3,900/mo
Today · 4.125%
HK$131,122
baseline
▲ 0.50% · 4.625%
HK$139,100
+HK$7,978/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,244/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,264
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,945
−HK$3,735/mo
Today · 4.125%
HK$144,680
baseline
▲ 0.50% · 4.625%
HK$152,306
+HK$7,626/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,360/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,595 · Scale 2, in force from 26 Feb 2026)