LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,699
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,836
−HK$2,171/mo
Today · 4.125%
HK$73,007
baseline
▲ 0.50% · 4.625%
HK$77,449
+HK$4,442/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,014/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,427
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,477
−HK$2,079/mo
Today · 4.125%
HK$80,556
baseline
▲ 0.50% · 4.625%
HK$84,802
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,112/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,439
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,003
−HK$2,606/mo
Today · 4.125%
HK$87,609
baseline
▲ 0.50% · 4.625%
HK$92,939
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,218/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,712
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,172
−HK$2,495/mo
Today · 4.125%
HK$96,667
baseline
▲ 0.50% · 4.625%
HK$101,763
+HK$5,096/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,334/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,179
−HK$6,031/mo
▼ 0.25% · 3.875%
HK$99,170
−HK$3,040/mo
Today · 4.125%
HK$102,210
baseline
▲ 0.50% · 4.625%
HK$108,429
+HK$6,219/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,420/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,998
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,867
−HK$2,912/mo
Today · 4.125%
HK$112,779
baseline
▲ 0.50% · 4.625%
HK$118,723
+HK$5,944/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,558/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,658
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,505
−HK$3,908/mo
Today · 4.125%
HK$131,413
baseline
▲ 0.50% · 4.625%
HK$139,409
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,826/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,569
−HK$7,432/mo
▼ 0.25% · 3.875%
HK$141,258
−HK$3,743/mo
Today · 4.125%
HK$145,001
baseline
▲ 0.50% · 4.625%
HK$152,644
+HK$7,643/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,002/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,431 · Scale 2, in force from 26 Feb 2026)