LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,622
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,757
−HK$2,169/mo
Today · 4.125%
HK$72,926
baseline
▲ 0.50% · 4.625%
HK$77,363
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,852/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,342
−HK$4,124/mo
▼ 0.25% · 3.875%
HK$78,389
−HK$2,077/mo
Today · 4.125%
HK$80,466
baseline
▲ 0.50% · 4.625%
HK$84,708
+HK$4,242/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$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,347
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,603/mo
Today · 4.125%
HK$87,511
baseline
▲ 0.50% · 4.625%
HK$92,836
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,022/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,610
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,067
−HK$2,493/mo
Today · 4.125%
HK$96,560
baseline
▲ 0.50% · 4.625%
HK$101,649
+HK$5,089/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,120/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,071
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,060
−HK$3,036/mo
Today · 4.125%
HK$102,096
baseline
▲ 0.50% · 4.625%
HK$108,308
+HK$6,212/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,192/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,878
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,745
−HK$2,908/mo
Today · 4.125%
HK$112,653
baseline
▲ 0.50% · 4.625%
HK$118,591
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,306/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,520
−HK$7,746/mo
▼ 0.25% · 3.875%
HK$127,363
−HK$3,903/mo
Today · 4.125%
HK$131,266
baseline
▲ 0.50% · 4.625%
HK$139,253
+HK$7,987/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$262,532/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,415
−HK$7,424/mo
▼ 0.25% · 3.875%
HK$141,101
−HK$3,738/mo
Today · 4.125%
HK$144,839
baseline
▲ 0.50% · 4.625%
HK$152,474
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.08M · min. income ≈ HK$289,678/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,003 · Scale 2, in force from 26 Feb 2026)