LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,614
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,749
−HK$2,168/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$77,354
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,834/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,333
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,380
−HK$2,077/mo
Today · 4.125%
HK$80,457
baseline
▲ 0.50% · 4.625%
HK$84,698
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,914/mo (50% DSR)
Upfront cash ≈ HK$16.32M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,337
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,898
−HK$2,602/mo
Today · 4.125%
HK$87,500
baseline
▲ 0.50% · 4.625%
HK$92,825
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$175,000/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,599
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,056
−HK$2,492/mo
Today · 4.125%
HK$96,548
baseline
▲ 0.50% · 4.625%
HK$101,637
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.05M · min. income ≈ HK$193,096/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,060
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$3,036/mo
Today · 4.125%
HK$102,084
baseline
▲ 0.50% · 4.625%
HK$108,295
+HK$6,211/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,168/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,866
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,732
−HK$2,907/mo
Today · 4.125%
HK$112,639
baseline
▲ 0.50% · 4.625%
HK$118,577
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,278/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,506
−HK$7,745/mo
▼ 0.25% · 3.875%
HK$127,347
−HK$3,904/mo
Today · 4.125%
HK$131,251
baseline
▲ 0.50% · 4.625%
HK$139,237
+HK$7,986/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,502/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,399
−HK$7,423/mo
▼ 0.25% · 3.875%
HK$141,084
−HK$3,738/mo
Today · 4.125%
HK$144,822
baseline
▲ 0.50% · 4.625%
HK$152,456
+HK$7,634/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,644/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,851 · Scale 2, in force from 26 Feb 2026)