LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,873
−HK$4,319/mo
▼ 0.25% · 3.875%
HK$71,015
−HK$2,177/mo
Today · 4.125%
HK$73,192
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$4,453/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$146,384/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,620
−HK$4,140/mo
▼ 0.25% · 3.875%
HK$78,675
−HK$2,085/mo
Today · 4.125%
HK$80,760
baseline
▲ 0.50% · 4.625%
HK$85,017
+HK$4,257/mo
Deposit HK$15.10M · loan HK$15.10M · min. income ≈ HK$161,520/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,647
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$85,218
−HK$2,612/mo
Today · 4.125%
HK$87,830
baseline
▲ 0.50% · 4.625%
HK$93,174
+HK$5,344/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$175,660/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,944
−HK$4,968/mo
▼ 0.25% · 3.875%
HK$94,410
−HK$2,502/mo
Today · 4.125%
HK$96,912
baseline
▲ 0.50% · 4.625%
HK$102,020
+HK$5,108/mo
Deposit HK$12.08M · loan HK$18.12M · min. income ≈ HK$193,824/mo (50% DSR)
Upfront cash ≈ HK$13.37M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,422
−HK$6,046/mo
▼ 0.25% · 3.875%
HK$99,421
−HK$3,047/mo
Today · 4.125%
HK$102,468
baseline
▲ 0.50% · 4.625%
HK$108,703
+HK$6,235/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$204,936/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,268
−HK$5,796/mo
▼ 0.25% · 3.875%
HK$110,145
−HK$2,919/mo
Today · 4.125%
HK$113,064
baseline
▲ 0.50% · 4.625%
HK$119,023
+HK$5,959/mo
Deposit HK$9.06M · loan HK$21.14M · min. income ≈ HK$226,128/mo (50% DSR)
Upfront cash ≈ HK$10.34M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,971
−HK$7,774/mo
▼ 0.25% · 3.875%
HK$127,827
−HK$3,918/mo
Today · 4.125%
HK$131,745
baseline
▲ 0.50% · 4.625%
HK$139,761
+HK$8,016/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$263,490/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,916
−HK$7,452/mo
▼ 0.25% · 3.875%
HK$141,615
−HK$3,753/mo
Today · 4.125%
HK$145,368
baseline
▲ 0.50% · 4.625%
HK$153,030
+HK$7,662/mo
Deposit HK$3.02M · loan HK$27.18M · min. income ≈ HK$290,736/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$1,283,667 · Scale 2, in force from 26 Feb 2026)