LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,612
−HK$4,302/mo
▼ 0.25% · 3.875%
HK$70,746
−HK$2,168/mo
Today · 4.125%
HK$72,914
baseline
▲ 0.50% · 4.625%
HK$77,351
+HK$4,437/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$145,828/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,330
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,377
−HK$2,077/mo
Today · 4.125%
HK$80,454
baseline
▲ 0.50% · 4.625%
HK$84,695
+HK$4,241/mo
Deposit HK$15.04M · loan HK$15.04M · min. income ≈ HK$160,908/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,334
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,895
−HK$2,602/mo
Today · 4.125%
HK$87,497
baseline
▲ 0.50% · 4.625%
HK$92,821
+HK$5,324/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$174,994/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,596
−HK$4,948/mo
▼ 0.25% · 3.875%
HK$94,052
−HK$2,492/mo
Today · 4.125%
HK$96,544
baseline
▲ 0.50% · 4.625%
HK$101,633
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,088/mo (50% DSR)
Upfront cash ≈ HK$13.31M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,056
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,044
−HK$3,036/mo
Today · 4.125%
HK$102,080
baseline
▲ 0.50% · 4.625%
HK$108,291
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,160/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,862
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,728
−HK$2,907/mo
Today · 4.125%
HK$112,635
baseline
▲ 0.50% · 4.625%
HK$118,572
+HK$5,937/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,270/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,501
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,343
−HK$3,903/mo
Today · 4.125%
HK$131,246
baseline
▲ 0.50% · 4.625%
HK$139,232
+HK$7,986/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,492/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,394
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,079
−HK$3,738/mo
Today · 4.125%
HK$144,817
baseline
▲ 0.50% · 4.625%
HK$152,450
+HK$7,633/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,634/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,803 · Scale 2, in force from 26 Feb 2026)