LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,622
−HK$4,303/mo
▼ 0.25% · 3.875%
HK$70,756
−HK$2,169/mo
Today · 4.125%
HK$72,925
baseline
▲ 0.50% · 4.625%
HK$77,362
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,850/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,341
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,389
−HK$2,077/mo
Today · 4.125%
HK$80,466
baseline
▲ 0.50% · 4.625%
HK$84,707
+HK$4,241/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,932/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,346
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,602/mo
Today · 4.125%
HK$87,510
baseline
▲ 0.50% · 4.625%
HK$92,835
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,020/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,609
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,066
−HK$2,493/mo
Today · 4.125%
HK$96,559
baseline
▲ 0.50% · 4.625%
HK$101,649
+HK$5,090/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,118/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,071
−HK$6,024/mo
▼ 0.25% · 3.875%
HK$99,059
−HK$3,036/mo
Today · 4.125%
HK$102,095
baseline
▲ 0.50% · 4.625%
HK$108,307
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,190/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,878
−HK$5,774/mo
▼ 0.25% · 3.875%
HK$109,744
−HK$2,908/mo
Today · 4.125%
HK$112,652
baseline
▲ 0.50% · 4.625%
HK$118,590
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,304/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,519
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,362
−HK$3,903/mo
Today · 4.125%
HK$131,265
baseline
▲ 0.50% · 4.625%
HK$139,252
+HK$7,987/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,530/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,414
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,100
−HK$3,738/mo
Today · 4.125%
HK$144,838
baseline
▲ 0.50% · 4.625%
HK$152,473
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,676/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,278,993 · Scale 2, in force from 26 Feb 2026)