LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,642
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,778
−HK$2,169/mo
Today · 4.125%
HK$72,947
baseline
▲ 0.50% · 4.625%
HK$77,386
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,894/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,364
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,412
−HK$2,078/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$84,732
+HK$4,242/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,980/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,371
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,933
−HK$2,603/mo
Today · 4.125%
HK$87,536
baseline
▲ 0.50% · 4.625%
HK$92,863
+HK$5,327/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,072/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,637
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,094
−HK$2,494/mo
Today · 4.125%
HK$96,588
baseline
▲ 0.50% · 4.625%
HK$101,679
+HK$5,091/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,176/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,099
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,089
−HK$3,037/mo
Today · 4.125%
HK$102,126
baseline
▲ 0.50% · 4.625%
HK$108,340
+HK$6,214/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,252/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,910
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,777
−HK$2,909/mo
Today · 4.125%
HK$112,686
baseline
▲ 0.50% · 4.625%
HK$118,625
+HK$5,939/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,372/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,556
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$127,400
−HK$3,904/mo
Today · 4.125%
HK$131,304
baseline
▲ 0.50% · 4.625%
HK$139,294
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,608/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,455
−HK$7,426/mo
▼ 0.25% · 3.875%
HK$141,142
−HK$3,739/mo
Today · 4.125%
HK$144,881
baseline
▲ 0.50% · 4.625%
HK$152,518
+HK$7,637/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,762/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,375 · Scale 2, in force from 26 Feb 2026)