LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,871
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,013
−HK$2,177/mo
Today · 4.125%
HK$73,190
baseline
▲ 0.50% · 4.625%
HK$77,643
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,380/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,618
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,673
−HK$2,085/mo
Today · 4.125%
HK$80,758
baseline
▲ 0.50% · 4.625%
HK$85,014
+HK$4,256/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,516/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,645
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,216
−HK$2,612/mo
Today · 4.125%
HK$87,828
baseline
▲ 0.50% · 4.625%
HK$93,172
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,656/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,942
−HK$4,967/mo
▼ 0.25% · 3.875%
HK$94,408
−HK$2,501/mo
Today · 4.125%
HK$96,909
baseline
▲ 0.50% · 4.625%
HK$102,017
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,818/mo (50% DSR)
Upfront cash ≈ HK$13.36M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,419
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,418
−HK$3,047/mo
Today · 4.125%
HK$102,465
baseline
▲ 0.50% · 4.625%
HK$108,700
+HK$6,235/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,930/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,265
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,142
−HK$2,919/mo
Today · 4.125%
HK$113,061
baseline
▲ 0.50% · 4.625%
HK$119,020
+HK$5,959/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,122/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,967
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,824
−HK$3,917/mo
Today · 4.125%
HK$131,741
baseline
▲ 0.50% · 4.625%
HK$139,757
+HK$8,016/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,482/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,913
−HK$7,451/mo
▼ 0.25% · 3.875%
HK$141,611
−HK$3,753/mo
Today · 4.125%
HK$145,364
baseline
▲ 0.50% · 4.625%
HK$153,026
+HK$7,662/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,728/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,632 · Scale 2, in force from 26 Feb 2026)