LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,565
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,698
−HK$2,167/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$77,298
+HK$4,433/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,278
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,324
−HK$2,075/mo
Today · 4.125%
HK$80,399
baseline
▲ 0.50% · 4.625%
HK$84,637
+HK$4,238/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,798/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,278
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,837
−HK$2,601/mo
Today · 4.125%
HK$87,438
baseline
▲ 0.50% · 4.625%
HK$92,758
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,876/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,533
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,988
−HK$2,491/mo
Today · 4.125%
HK$96,479
baseline
▲ 0.50% · 4.625%
HK$101,564
+HK$5,085/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,958/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,991
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,977
−HK$3,034/mo
Today · 4.125%
HK$102,011
baseline
▲ 0.50% · 4.625%
HK$108,218
+HK$6,207/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,022/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,789
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,653
−HK$2,906/mo
Today · 4.125%
HK$112,559
baseline
▲ 0.50% · 4.625%
HK$118,492
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,118/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,417
−HK$7,739/mo
▼ 0.25% · 3.875%
HK$127,256
−HK$3,900/mo
Today · 4.125%
HK$131,156
baseline
▲ 0.50% · 4.625%
HK$139,137
+HK$7,981/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,312/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,300
−HK$7,418/mo
▼ 0.25% · 3.875%
HK$140,983
−HK$3,735/mo
Today · 4.125%
HK$144,718
baseline
▲ 0.50% · 4.625%
HK$152,346
+HK$7,628/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,436/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,933 · Scale 2, in force from 26 Feb 2026)