LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,600
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$2,168/mo
Today · 4.125%
HK$72,902
baseline
▲ 0.50% · 4.625%
HK$77,338
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,804/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,317
−HK$4,123/mo
▼ 0.25% · 3.875%
HK$78,364
−HK$2,076/mo
Today · 4.125%
HK$80,440
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,880/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,320
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$84,881
−HK$2,601/mo
Today · 4.125%
HK$87,482
baseline
▲ 0.50% · 4.625%
HK$92,805
+HK$5,323/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$174,964/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,580
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,036
−HK$2,492/mo
Today · 4.125%
HK$96,528
baseline
▲ 0.50% · 4.625%
HK$101,616
+HK$5,088/mo
Deposit HK$12.03M · loan HK$18.05M · min. income ≈ HK$193,056/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,040
−HK$6,022/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$3,035/mo
Today · 4.125%
HK$102,062
baseline
▲ 0.50% · 4.625%
HK$108,273
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,124/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,843
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,709
−HK$2,907/mo
Today · 4.125%
HK$112,616
baseline
▲ 0.50% · 4.625%
HK$118,552
+HK$5,936/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,232/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,480
−HK$7,743/mo
▼ 0.25% · 3.875%
HK$127,321
−HK$3,902/mo
Today · 4.125%
HK$131,223
baseline
▲ 0.50% · 4.625%
HK$139,208
+HK$7,985/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,446/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,370
−HK$7,422/mo
▼ 0.25% · 3.875%
HK$141,054
−HK$3,738/mo
Today · 4.125%
HK$144,792
baseline
▲ 0.50% · 4.625%
HK$152,424
+HK$7,632/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,584/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,584 · Scale 2, in force from 26 Feb 2026)