LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,574
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,707
−HK$2,168/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$4,434/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,288
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,334
−HK$2,076/mo
Today · 4.125%
HK$80,410
baseline
▲ 0.50% · 4.625%
HK$84,648
+HK$4,238/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,820/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,289
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,849
−HK$2,601/mo
Today · 4.125%
HK$87,450
baseline
▲ 0.50% · 4.625%
HK$92,771
+HK$5,321/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$174,900/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,546
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,001
−HK$2,491/mo
Today · 4.125%
HK$96,492
baseline
▲ 0.50% · 4.625%
HK$101,578
+HK$5,086/mo
Deposit HK$12.03M · loan HK$18.04M · min. income ≈ HK$192,984/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,004
−HK$6,020/mo
▼ 0.25% · 3.875%
HK$98,990
−HK$3,034/mo
Today · 4.125%
HK$102,024
baseline
▲ 0.50% · 4.625%
HK$108,232
+HK$6,208/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,048/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,804
−HK$5,770/mo
▼ 0.25% · 3.875%
HK$109,668
−HK$2,906/mo
Today · 4.125%
HK$112,574
baseline
▲ 0.50% · 4.625%
HK$118,508
+HK$5,934/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,148/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,434
−HK$7,740/mo
▼ 0.25% · 3.875%
HK$127,273
−HK$3,901/mo
Today · 4.125%
HK$131,174
baseline
▲ 0.50% · 4.625%
HK$139,156
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,348/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,319
−HK$7,419/mo
▼ 0.25% · 3.875%
HK$141,002
−HK$3,736/mo
Today · 4.125%
HK$144,738
baseline
▲ 0.50% · 4.625%
HK$152,367
+HK$7,629/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,476/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,107 · Scale 2, in force from 26 Feb 2026)