LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,590
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$2,167/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,306
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,352
−HK$2,076/mo
Today · 4.125%
HK$80,428
baseline
▲ 0.50% · 4.625%
HK$84,668
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,856/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,868
−HK$2,602/mo
Today · 4.125%
HK$87,470
baseline
▲ 0.50% · 4.625%
HK$92,792
+HK$5,322/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,940/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,567
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,023
−HK$2,491/mo
Today · 4.125%
HK$96,514
baseline
▲ 0.50% · 4.625%
HK$101,601
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,028/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,026
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,013
−HK$3,035/mo
Today · 4.125%
HK$102,048
baseline
▲ 0.50% · 4.625%
HK$108,257
+HK$6,209/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$204,096/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,828
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,693
−HK$2,907/mo
Today · 4.125%
HK$112,600
baseline
▲ 0.50% · 4.625%
HK$118,535
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$225,200/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,462
−HK$7,742/mo
▼ 0.25% · 3.875%
HK$127,303
−HK$3,901/mo
Today · 4.125%
HK$131,204
baseline
▲ 0.50% · 4.625%
HK$139,188
+HK$7,984/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,408/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,350
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,034
−HK$3,737/mo
Today · 4.125%
HK$144,771
baseline
▲ 0.50% · 4.625%
HK$152,402
+HK$7,631/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,542/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,400 · Scale 2, in force from 26 Feb 2026)