LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,628
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$2,169/mo
Today · 4.125%
HK$72,932
baseline
▲ 0.50% · 4.625%
HK$77,369
+HK$4,437/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,864/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,348
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,396
−HK$2,077/mo
Today · 4.125%
HK$80,473
baseline
▲ 0.50% · 4.625%
HK$84,715
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,946/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,354
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$84,915
−HK$2,603/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,843
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,617
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,075
−HK$2,492/mo
Today · 4.125%
HK$96,567
baseline
▲ 0.50% · 4.625%
HK$101,658
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,134/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,079
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,068
−HK$3,036/mo
Today · 4.125%
HK$102,104
baseline
▲ 0.50% · 4.625%
HK$108,317
+HK$6,213/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,208/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,887
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,754
−HK$2,908/mo
Today · 4.125%
HK$112,662
baseline
▲ 0.50% · 4.625%
HK$118,600
+HK$5,938/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,324/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,530
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,373
−HK$3,904/mo
Today · 4.125%
HK$131,277
baseline
▲ 0.50% · 4.625%
HK$139,265
+HK$7,988/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,554/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,426
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,112
−HK$3,739/mo
Today · 4.125%
HK$144,851
baseline
▲ 0.50% · 4.625%
HK$152,486
+HK$7,635/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,702/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,106 · Scale 2, in force from 26 Feb 2026)