LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,647
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,783
−HK$2,169/mo
Today · 4.125%
HK$72,952
baseline
▲ 0.50% · 4.625%
HK$77,391
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,904/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,369
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,418
−HK$2,077/mo
Today · 4.125%
HK$80,495
baseline
▲ 0.50% · 4.625%
HK$84,738
+HK$4,243/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,990/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,377
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$84,939
−HK$2,603/mo
Today · 4.125%
HK$87,542
baseline
▲ 0.50% · 4.625%
HK$92,869
+HK$5,327/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,084/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,643
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,101
−HK$2,493/mo
Today · 4.125%
HK$96,594
baseline
▲ 0.50% · 4.625%
HK$101,686
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,188/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,106
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,096
−HK$3,037/mo
Today · 4.125%
HK$102,133
baseline
▲ 0.50% · 4.625%
HK$108,347
+HK$6,214/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,266/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,917
−HK$5,776/mo
▼ 0.25% · 3.875%
HK$109,785
−HK$2,908/mo
Today · 4.125%
HK$112,693
baseline
▲ 0.50% · 4.625%
HK$118,634
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,386/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,565
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,409
−HK$3,905/mo
Today · 4.125%
HK$131,314
baseline
▲ 0.50% · 4.625%
HK$139,304
+HK$7,990/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$262,628/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,465
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,152
−HK$3,740/mo
Today · 4.125%
HK$144,892
baseline
▲ 0.50% · 4.625%
HK$152,529
+HK$7,637/mo
Deposit HK$3.01M · loan HK$27.09M · min. income ≈ HK$289,784/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,465 · Scale 2, in force from 26 Feb 2026)