LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,618
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,752
−HK$2,169/mo
Today · 4.125%
HK$72,921
baseline
▲ 0.50% · 4.625%
HK$77,358
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,842/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,337
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,384
−HK$2,077/mo
Today · 4.125%
HK$80,461
baseline
▲ 0.50% · 4.625%
HK$84,702
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,922/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,342
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$84,903
−HK$2,602/mo
Today · 4.125%
HK$87,505
baseline
▲ 0.50% · 4.625%
HK$92,830
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,010/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,604
−HK$4,949/mo
▼ 0.25% · 3.875%
HK$94,061
−HK$2,492/mo
Today · 4.125%
HK$96,553
baseline
▲ 0.50% · 4.625%
HK$101,643
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,106/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,065
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,053
−HK$3,036/mo
Today · 4.125%
HK$102,089
baseline
▲ 0.50% · 4.625%
HK$108,301
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$204,178/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,872
−HK$5,773/mo
▼ 0.25% · 3.875%
HK$109,738
−HK$2,907/mo
Today · 4.125%
HK$112,645
baseline
▲ 0.50% · 4.625%
HK$118,583
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.06M · min. income ≈ HK$225,290/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,512
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,354
−HK$3,904/mo
Today · 4.125%
HK$131,258
baseline
▲ 0.50% · 4.625%
HK$139,244
+HK$7,986/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,516/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,406
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,091
−HK$3,739/mo
Today · 4.125%
HK$144,830
baseline
▲ 0.50% · 4.625%
HK$152,464
+HK$7,634/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,660/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,919 · Scale 2, in force from 26 Feb 2026)