LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,651
−HK$4,305/mo
▼ 0.25% · 3.875%
HK$70,786
−HK$2,170/mo
Today · 4.125%
HK$72,956
baseline
▲ 0.50% · 4.625%
HK$77,395
+HK$4,439/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$145,912/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,373
−HK$4,126/mo
▼ 0.25% · 3.875%
HK$78,421
−HK$2,078/mo
Today · 4.125%
HK$80,499
baseline
▲ 0.50% · 4.625%
HK$84,743
+HK$4,244/mo
Deposit HK$15.05M · loan HK$15.05M · min. income ≈ HK$160,998/mo (50% DSR)
Upfront cash ≈ HK$16.33M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,381
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,604/mo
Today · 4.125%
HK$87,547
baseline
▲ 0.50% · 4.625%
HK$92,874
+HK$5,327/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$175,094/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,648
−HK$4,951/mo
▼ 0.25% · 3.875%
HK$94,106
−HK$2,493/mo
Today · 4.125%
HK$96,599
baseline
▲ 0.50% · 4.625%
HK$101,691
+HK$5,092/mo
Deposit HK$12.04M · loan HK$18.06M · min. income ≈ HK$193,198/mo (50% DSR)
Upfront cash ≈ HK$13.32M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,111
−HK$6,027/mo
▼ 0.25% · 3.875%
HK$99,100
−HK$3,038/mo
Today · 4.125%
HK$102,138
baseline
▲ 0.50% · 4.625%
HK$108,353
+HK$6,215/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$204,276/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,922
−HK$5,777/mo
▼ 0.25% · 3.875%
HK$109,790
−HK$2,909/mo
Today · 4.125%
HK$112,699
baseline
▲ 0.50% · 4.625%
HK$118,640
+HK$5,941/mo
Deposit HK$9.03M · loan HK$21.07M · min. income ≈ HK$225,398/mo (50% DSR)
Upfront cash ≈ HK$10.31M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,571
−HK$7,749/mo
▼ 0.25% · 3.875%
HK$127,415
−HK$3,905/mo
Today · 4.125%
HK$131,320
baseline
▲ 0.50% · 4.625%
HK$139,311
+HK$7,991/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$262,640/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,472
−HK$7,427/mo
▼ 0.25% · 3.875%
HK$141,159
−HK$3,740/mo
Today · 4.125%
HK$144,899
baseline
▲ 0.50% · 4.625%
HK$152,537
+HK$7,638/mo
Deposit HK$3.01M · loan HK$27.10M · min. income ≈ HK$289,798/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,528 · Scale 2, in force from 26 Feb 2026)