LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,643
−HK$4,304/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$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,365
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$78,413
−HK$2,077/mo
Today · 4.125%
HK$80,490
baseline
▲ 0.50% · 4.625%
HK$84,733
+HK$4,243/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$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,372
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,934
−HK$2,603/mo
Today · 4.125%
HK$87,537
baseline
▲ 0.50% · 4.625%
HK$92,863
+HK$5,326/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,074/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,638
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$94,095
−HK$2,493/mo
Today · 4.125%
HK$96,588
baseline
▲ 0.50% · 4.625%
HK$101,680
+HK$5,092/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$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,100
−HK$6,026/mo
▼ 0.25% · 3.875%
HK$99,089
−HK$3,037/mo
Today · 4.125%
HK$102,126
baseline
▲ 0.50% · 4.625%
HK$108,341
+HK$6,215/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$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,910
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,778
−HK$2,909/mo
Today · 4.125%
HK$112,687
baseline
▲ 0.50% · 4.625%
HK$118,626
+HK$5,939/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,374/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,557
−HK$7,748/mo
▼ 0.25% · 3.875%
HK$127,401
−HK$3,904/mo
Today · 4.125%
HK$131,305
baseline
▲ 0.50% · 4.625%
HK$139,295
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,610/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,456
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,143
−HK$3,740/mo
Today · 4.125%
HK$144,883
baseline
▲ 0.50% · 4.625%
HK$152,520
+HK$7,637/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,766/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,386 · Scale 2, in force from 26 Feb 2026)