LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,611
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,745
−HK$2,168/mo
Today · 4.125%
HK$72,913
baseline
▲ 0.50% · 4.625%
HK$77,350
+HK$4,437/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,826/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,329
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,376
−HK$2,077/mo
Today · 4.125%
HK$80,453
baseline
▲ 0.50% · 4.625%
HK$84,693
+HK$4,240/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,906/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,333
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,894
−HK$2,602/mo
Today · 4.125%
HK$87,496
baseline
▲ 0.50% · 4.625%
HK$92,820
+HK$5,324/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$174,992/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,594
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,051
−HK$2,492/mo
Today · 4.125%
HK$96,543
baseline
▲ 0.50% · 4.625%
HK$101,632
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,086/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,055
−HK$6,023/mo
▼ 0.25% · 3.875%
HK$99,043
−HK$3,035/mo
Today · 4.125%
HK$102,078
baseline
▲ 0.50% · 4.625%
HK$108,290
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,156/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,860
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,726
−HK$2,908/mo
Today · 4.125%
HK$112,634
baseline
▲ 0.50% · 4.625%
HK$118,571
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,268/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,499
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,341
−HK$3,903/mo
Today · 4.125%
HK$131,244
baseline
▲ 0.50% · 4.625%
HK$139,230
+HK$7,986/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,488/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,392
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,076
−HK$3,739/mo
Today · 4.125%
HK$144,815
baseline
▲ 0.50% · 4.625%
HK$152,448
+HK$7,633/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,630/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,784 · Scale 2, in force from 26 Feb 2026)