LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,552
−HK$4,299/mo
▼ 0.25% · 3.875%
HK$70,684
−HK$2,167/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$77,283
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,263
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,075/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$84,621
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,262
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$84,821
−HK$2,600/mo
Today · 4.125%
HK$87,421
baseline
▲ 0.50% · 4.625%
HK$92,740
+HK$5,319/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,842/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,516
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,970
−HK$2,490/mo
Today · 4.125%
HK$96,460
baseline
▲ 0.50% · 4.625%
HK$101,545
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,920/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,973
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,958
−HK$3,033/mo
Today · 4.125%
HK$101,991
baseline
▲ 0.50% · 4.625%
HK$108,197
+HK$6,206/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,982/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,769
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,632
−HK$2,905/mo
Today · 4.125%
HK$112,537
baseline
▲ 0.50% · 4.625%
HK$118,469
+HK$5,932/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,074/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,393
−HK$7,738/mo
▼ 0.25% · 3.875%
HK$127,232
−HK$3,899/mo
Today · 4.125%
HK$131,131
baseline
▲ 0.50% · 4.625%
HK$139,110
+HK$7,979/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,262/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,274
−HK$7,416/mo
▼ 0.25% · 3.875%
HK$140,956
−HK$3,734/mo
Today · 4.125%
HK$144,690
baseline
▲ 0.50% · 4.625%
HK$152,317
+HK$7,627/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,380/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,688 · Scale 2, in force from 26 Feb 2026)