LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,633
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$2,169/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$77,375
+HK$4,438/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,354
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,402
−HK$2,077/mo
Today · 4.125%
HK$80,479
baseline
▲ 0.50% · 4.625%
HK$84,721
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,958/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,360
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,922
−HK$2,603/mo
Today · 4.125%
HK$87,525
baseline
▲ 0.50% · 4.625%
HK$92,850
+HK$5,325/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,050/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,625
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,082
−HK$2,493/mo
Today · 4.125%
HK$96,575
baseline
▲ 0.50% · 4.625%
HK$101,666
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,150/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,087
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$99,076
−HK$3,036/mo
Today · 4.125%
HK$102,112
baseline
▲ 0.50% · 4.625%
HK$108,325
+HK$6,213/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,224/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,896
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,762
−HK$2,909/mo
Today · 4.125%
HK$112,671
baseline
▲ 0.50% · 4.625%
HK$118,610
+HK$5,939/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,342/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,540
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,383
−HK$3,904/mo
Today · 4.125%
HK$131,287
baseline
▲ 0.50% · 4.625%
HK$139,276
+HK$7,989/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,574/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,437
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$141,123
−HK$3,739/mo
Today · 4.125%
HK$144,862
baseline
▲ 0.50% · 4.625%
HK$152,498
+HK$7,636/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,724/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,207 · Scale 2, in force from 26 Feb 2026)