LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,586
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$2,167/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$77,322
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,076/mo
Today · 4.125%
HK$80,424
baseline
▲ 0.50% · 4.625%
HK$84,663
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,848/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,304
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,864
−HK$2,601/mo
Today · 4.125%
HK$87,465
baseline
▲ 0.50% · 4.625%
HK$92,787
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,930/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,562
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,018
−HK$2,491/mo
Today · 4.125%
HK$96,509
baseline
▲ 0.50% · 4.625%
HK$101,596
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,018/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,021
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,008
−HK$3,034/mo
Today · 4.125%
HK$102,042
baseline
▲ 0.50% · 4.625%
HK$108,251
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,084/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,822
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,687
−HK$2,907/mo
Today · 4.125%
HK$112,594
baseline
▲ 0.50% · 4.625%
HK$118,529
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,188/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,455
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,296
−HK$3,901/mo
Today · 4.125%
HK$131,197
baseline
▲ 0.50% · 4.625%
HK$139,180
+HK$7,983/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,394/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,343
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,026
−HK$3,737/mo
Today · 4.125%
HK$144,763
baseline
▲ 0.50% · 4.625%
HK$152,394
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,526/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,331 · Scale 2, in force from 26 Feb 2026)