LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,583
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$2,168/mo
Today · 4.125%
HK$72,884
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,768/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,298
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,344
−HK$2,076/mo
Today · 4.125%
HK$80,420
baseline
▲ 0.50% · 4.625%
HK$84,659
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,840/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,300
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,860
−HK$2,601/mo
Today · 4.125%
HK$87,461
baseline
▲ 0.50% · 4.625%
HK$92,782
+HK$5,321/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,922/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,558
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$94,013
−HK$2,491/mo
Today · 4.125%
HK$96,504
baseline
▲ 0.50% · 4.625%
HK$101,591
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,008/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,016
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,003
−HK$3,034/mo
Today · 4.125%
HK$102,037
baseline
▲ 0.50% · 4.625%
HK$108,246
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,074/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,817
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,682
−HK$2,906/mo
Today · 4.125%
HK$112,588
baseline
▲ 0.50% · 4.625%
HK$118,523
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,176/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,450
−HK$7,741/mo
▼ 0.25% · 3.875%
HK$127,290
−HK$3,901/mo
Today · 4.125%
HK$131,191
baseline
▲ 0.50% · 4.625%
HK$139,174
+HK$7,983/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,382/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,336
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,020
−HK$3,736/mo
Today · 4.125%
HK$144,756
baseline
▲ 0.50% · 4.625%
HK$152,387
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,512/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,270 · Scale 2, in force from 26 Feb 2026)