LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,573
−HK$4,300/mo
▼ 0.25% · 3.875%
HK$70,706
−HK$2,167/mo
Today · 4.125%
HK$72,873
baseline
▲ 0.50% · 4.625%
HK$77,307
+HK$4,434/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,746/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,287
−HK$4,121/mo
▼ 0.25% · 3.875%
HK$78,333
−HK$2,075/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$84,647
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,287
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,847
−HK$2,601/mo
Today · 4.125%
HK$87,448
baseline
▲ 0.50% · 4.625%
HK$92,768
+HK$5,320/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,896/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,544
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$93,999
−HK$2,491/mo
Today · 4.125%
HK$96,490
baseline
▲ 0.50% · 4.625%
HK$101,576
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,980/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,002
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,988
−HK$3,034/mo
Today · 4.125%
HK$102,022
baseline
▲ 0.50% · 4.625%
HK$108,230
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,044/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,801
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,666
−HK$2,905/mo
Today · 4.125%
HK$112,571
baseline
▲ 0.50% · 4.625%
HK$118,505
+HK$5,934/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,142/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,431
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,270
−HK$3,901/mo
Today · 4.125%
HK$131,171
baseline
▲ 0.50% · 4.625%
HK$139,153
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,342/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,316
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$140,999
−HK$3,736/mo
Today · 4.125%
HK$144,735
baseline
▲ 0.50% · 4.625%
HK$152,364
+HK$7,629/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,470/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,078 · Scale 2, in force from 26 Feb 2026)