LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,593
−HK$4,301/mo
▼ 0.25% · 3.875%
HK$70,727
−HK$2,167/mo
Today · 4.125%
HK$72,894
baseline
▲ 0.50% · 4.625%
HK$77,330
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,788/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,309
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,076/mo
Today · 4.125%
HK$80,432
baseline
▲ 0.50% · 4.625%
HK$84,671
+HK$4,239/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,864/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,312
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$84,872
−HK$2,601/mo
Today · 4.125%
HK$87,473
baseline
▲ 0.50% · 4.625%
HK$92,796
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,946/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,571
−HK$4,947/mo
▼ 0.25% · 3.875%
HK$94,027
−HK$2,491/mo
Today · 4.125%
HK$96,518
baseline
▲ 0.50% · 4.625%
HK$101,606
+HK$5,088/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,036/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,030
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,017
−HK$3,035/mo
Today · 4.125%
HK$102,052
baseline
▲ 0.50% · 4.625%
HK$108,262
+HK$6,210/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$204,104/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,833
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,698
−HK$2,907/mo
Today · 4.125%
HK$112,605
baseline
▲ 0.50% · 4.625%
HK$118,540
+HK$5,935/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$225,210/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,467
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,308
−HK$3,902/mo
Today · 4.125%
HK$131,210
baseline
▲ 0.50% · 4.625%
HK$139,194
+HK$7,984/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,420/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,356
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,040
−HK$3,737/mo
Today · 4.125%
HK$144,777
baseline
▲ 0.50% · 4.625%
HK$152,409
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,554/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,455 · Scale 2, in force from 26 Feb 2026)