LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,570
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,703
−HK$2,167/mo
Today · 4.125%
HK$72,870
baseline
▲ 0.50% · 4.625%
HK$77,304
+HK$4,434/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,740/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,284
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,329
−HK$2,076/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$84,643
+HK$4,238/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,284
−HK$5,160/mo
▼ 0.25% · 3.875%
HK$84,844
−HK$2,600/mo
Today · 4.125%
HK$87,444
baseline
▲ 0.50% · 4.625%
HK$92,765
+HK$5,321/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,888/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,540
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,995
−HK$2,491/mo
Today · 4.125%
HK$96,486
baseline
▲ 0.50% · 4.625%
HK$101,572
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,972/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,998
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,984
−HK$3,034/mo
Today · 4.125%
HK$102,018
baseline
▲ 0.50% · 4.625%
HK$108,226
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,036/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,797
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,661
−HK$2,906/mo
Today · 4.125%
HK$112,567
baseline
▲ 0.50% · 4.625%
HK$118,500
+HK$5,933/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,134/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,426
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,265
−HK$3,901/mo
Today · 4.125%
HK$131,166
baseline
▲ 0.50% · 4.625%
HK$139,147
+HK$7,981/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$262,332/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,310
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$140,993
−HK$3,736/mo
Today · 4.125%
HK$144,729
baseline
▲ 0.50% · 4.625%
HK$152,358
+HK$7,629/mo
Deposit HK$3.01M · loan HK$27.06M · min. income ≈ HK$289,458/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,027 · Scale 2, in force from 26 Feb 2026)