LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,610
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,744
−HK$2,168/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$77,349
+HK$4,437/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,327
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,375
−HK$2,076/mo
Today · 4.125%
HK$80,451
baseline
▲ 0.50% · 4.625%
HK$84,692
+HK$4,241/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,902/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,331
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,602/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,818
+HK$5,324/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,593
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,049
−HK$2,492/mo
Today · 4.125%
HK$96,541
baseline
▲ 0.50% · 4.625%
HK$101,630
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,082/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,053
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,041
−HK$3,036/mo
Today · 4.125%
HK$102,077
baseline
▲ 0.50% · 4.625%
HK$108,288
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,154/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,858
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,724
−HK$2,908/mo
Today · 4.125%
HK$112,632
baseline
▲ 0.50% · 4.625%
HK$118,569
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,264/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,497
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,339
−HK$3,903/mo
Today · 4.125%
HK$131,242
baseline
▲ 0.50% · 4.625%
HK$139,227
+HK$7,985/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,484/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,389
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,074
−HK$3,738/mo
Today · 4.125%
HK$144,812
baseline
▲ 0.50% · 4.625%
HK$152,445
+HK$7,633/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,624/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,763 · Scale 2, in force from 26 Feb 2026)