LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,596
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,730
−HK$2,168/mo
Today · 4.125%
HK$72,898
baseline
▲ 0.50% · 4.625%
HK$77,333
+HK$4,435/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,796/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,313
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$78,359
−HK$2,076/mo
Today · 4.125%
HK$80,435
baseline
▲ 0.50% · 4.625%
HK$84,675
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,870/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,315
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,876
−HK$2,601/mo
Today · 4.125%
HK$87,477
baseline
▲ 0.50% · 4.625%
HK$92,800
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,954/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,575
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,031
−HK$2,492/mo
Today · 4.125%
HK$96,523
baseline
▲ 0.50% · 4.625%
HK$101,610
+HK$5,087/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,046/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,035
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,022
−HK$3,035/mo
Today · 4.125%
HK$102,057
baseline
▲ 0.50% · 4.625%
HK$108,267
+HK$6,210/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$204,114/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,838
−HK$5,772/mo
▼ 0.25% · 3.875%
HK$109,703
−HK$2,907/mo
Today · 4.125%
HK$112,610
baseline
▲ 0.50% · 4.625%
HK$118,546
+HK$5,936/mo
Deposit HK$9.02M · loan HK$21.06M · min. income ≈ HK$225,220/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,473
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,314
−HK$3,902/mo
Today · 4.125%
HK$131,216
baseline
▲ 0.50% · 4.625%
HK$139,200
+HK$7,984/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$262,432/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,363
−HK$7,421/mo
▼ 0.25% · 3.875%
HK$141,047
−HK$3,737/mo
Today · 4.125%
HK$144,784
baseline
▲ 0.50% · 4.625%
HK$152,416
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.07M · min. income ≈ HK$289,568/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,514 · Scale 2, in force from 26 Feb 2026)