LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,848
−HK$4,317/mo
▼ 0.25% · 3.875%
HK$70,989
−HK$2,176/mo
Today · 4.125%
HK$73,165
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$4,452/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,330/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,593
−HK$4,138/mo
▼ 0.25% · 3.875%
HK$78,647
−HK$2,084/mo
Today · 4.125%
HK$80,731
baseline
▲ 0.50% · 4.625%
HK$84,986
+HK$4,255/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,462/mo (50% DSR)
Upfront cash ≈ HK$16.38M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,617
−HK$5,181/mo
▼ 0.25% · 3.875%
HK$85,187
−HK$2,611/mo
Today · 4.125%
HK$87,798
baseline
▲ 0.50% · 4.625%
HK$93,141
+HK$5,343/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,596/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,911
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$94,376
−HK$2,501/mo
Today · 4.125%
HK$96,877
baseline
▲ 0.50% · 4.625%
HK$101,983
+HK$5,106/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,754/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,387
−HK$6,044/mo
▼ 0.25% · 3.875%
HK$99,385
−HK$3,046/mo
Today · 4.125%
HK$102,431
baseline
▲ 0.50% · 4.625%
HK$108,664
+HK$6,233/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,862/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,230
−HK$5,793/mo
▼ 0.25% · 3.875%
HK$110,105
−HK$2,918/mo
Today · 4.125%
HK$113,023
baseline
▲ 0.50% · 4.625%
HK$118,980
+HK$5,957/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,046/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,926
−HK$7,771/mo
▼ 0.25% · 3.875%
HK$127,781
−HK$3,916/mo
Today · 4.125%
HK$131,697
baseline
▲ 0.50% · 4.625%
HK$139,711
+HK$8,014/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$263,394/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,867
−HK$7,448/mo
▼ 0.25% · 3.875%
HK$141,564
−HK$3,751/mo
Today · 4.125%
HK$145,315
baseline
▲ 0.50% · 4.625%
HK$152,975
+HK$7,660/mo
Deposit HK$3.02M · loan HK$27.17M · min. income ≈ HK$290,630/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,205 · Scale 2, in force from 26 Feb 2026)