LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,608
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,742
−HK$2,169/mo
Today · 4.125%
HK$72,911
baseline
▲ 0.50% · 4.625%
HK$77,347
+HK$4,436/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,822/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,326
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,373
−HK$2,077/mo
Today · 4.125%
HK$80,450
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,900/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,891
−HK$2,602/mo
Today · 4.125%
HK$87,493
baseline
▲ 0.50% · 4.625%
HK$92,817
+HK$5,324/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$174,986/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,591
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,048
−HK$2,492/mo
Today · 4.125%
HK$96,540
baseline
▲ 0.50% · 4.625%
HK$101,628
+HK$5,088/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,080/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,052
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,039
−HK$3,036/mo
Today · 4.125%
HK$102,075
baseline
▲ 0.50% · 4.625%
HK$108,286
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,150/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,857
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,722
−HK$2,908/mo
Today · 4.125%
HK$112,630
baseline
▲ 0.50% · 4.625%
HK$118,567
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,260/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,495
−HK$7,744/mo
▼ 0.25% · 3.875%
HK$127,336
−HK$3,903/mo
Today · 4.125%
HK$131,239
baseline
▲ 0.50% · 4.625%
HK$139,225
+HK$7,986/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,478/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,387
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,072
−HK$3,738/mo
Today · 4.125%
HK$144,810
baseline
▲ 0.50% · 4.625%
HK$152,443
+HK$7,633/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,620/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,740 · Scale 2, in force from 26 Feb 2026)