LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,585
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,718
−HK$2,168/mo
Today · 4.125%
HK$72,886
baseline
▲ 0.50% · 4.625%
HK$77,321
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,772/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,300
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,346
−HK$2,076/mo
Today · 4.125%
HK$80,422
baseline
▲ 0.50% · 4.625%
HK$84,662
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,844/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,302
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,862
−HK$2,601/mo
Today · 4.125%
HK$87,463
baseline
▲ 0.50% · 4.625%
HK$92,785
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,926/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,560
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,016
−HK$2,491/mo
Today · 4.125%
HK$96,507
baseline
▲ 0.50% · 4.625%
HK$101,594
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,014/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,019
−HK$6,021/mo
▼ 0.25% · 3.875%
HK$99,006
−HK$3,034/mo
Today · 4.125%
HK$102,040
baseline
▲ 0.50% · 4.625%
HK$108,249
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$204,080/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,820
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$109,685
−HK$2,906/mo
Today · 4.125%
HK$112,591
baseline
▲ 0.50% · 4.625%
HK$118,526
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.05M · min. income ≈ HK$225,182/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,453
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,293
−HK$3,902/mo
Today · 4.125%
HK$131,195
baseline
▲ 0.50% · 4.625%
HK$139,177
+HK$7,982/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,390/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,340
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$141,024
−HK$3,736/mo
Today · 4.125%
HK$144,760
baseline
▲ 0.50% · 4.625%
HK$152,391
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,520/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,304 · Scale 2, in force from 26 Feb 2026)