LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,640
−HK$4,304/mo
▼ 0.25% · 3.875%
HK$70,775
−HK$2,169/mo
Today · 4.125%
HK$72,944
baseline
▲ 0.50% · 4.625%
HK$77,383
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,888/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,361
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,409
−HK$2,078/mo
Today · 4.125%
HK$80,487
baseline
▲ 0.50% · 4.625%
HK$84,729
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,974/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,368
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,930
−HK$2,603/mo
Today · 4.125%
HK$87,533
baseline
▲ 0.50% · 4.625%
HK$92,859
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,066/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,633
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,091
−HK$2,493/mo
Today · 4.125%
HK$96,584
baseline
▲ 0.50% · 4.625%
HK$101,675
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,168/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,096
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,085
−HK$3,037/mo
Today · 4.125%
HK$102,122
baseline
▲ 0.50% · 4.625%
HK$108,336
+HK$6,214/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,244/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,906
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$109,773
−HK$2,908/mo
Today · 4.125%
HK$112,681
baseline
▲ 0.50% · 4.625%
HK$118,621
+HK$5,940/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,362/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,552
−HK$7,747/mo
▼ 0.25% · 3.875%
HK$127,395
−HK$3,904/mo
Today · 4.125%
HK$131,299
baseline
▲ 0.50% · 4.625%
HK$139,289
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,598/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,450
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,136
−HK$3,740/mo
Today · 4.125%
HK$144,876
baseline
▲ 0.50% · 4.625%
HK$152,513
+HK$7,637/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,752/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,327 · Scale 2, in force from 26 Feb 2026)