LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,675
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,812
−HK$2,170/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$77,423
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,401
−HK$4,127/mo
▼ 0.25% · 3.875%
HK$78,450
−HK$2,078/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$84,773
+HK$4,245/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,411
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$84,974
−HK$2,604/mo
Today · 4.125%
HK$87,578
baseline
▲ 0.50% · 4.625%
HK$92,907
+HK$5,329/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,156/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,681
−HK$4,953/mo
▼ 0.25% · 3.875%
HK$94,140
−HK$2,494/mo
Today · 4.125%
HK$96,634
baseline
▲ 0.50% · 4.625%
HK$101,728
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,268/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,146
−HK$6,029/mo
▼ 0.25% · 3.875%
HK$99,136
−HK$3,039/mo
Today · 4.125%
HK$102,175
baseline
▲ 0.50% · 4.625%
HK$108,392
+HK$6,217/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,350/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,961
−HK$5,779/mo
▼ 0.25% · 3.875%
HK$109,830
−HK$2,910/mo
Today · 4.125%
HK$112,740
baseline
▲ 0.50% · 4.625%
HK$118,683
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,480/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,616
−HK$7,752/mo
▼ 0.25% · 3.875%
HK$127,461
−HK$3,907/mo
Today · 4.125%
HK$131,368
baseline
▲ 0.50% · 4.625%
HK$139,361
+HK$7,993/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,736/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,521
−HK$7,430/mo
▼ 0.25% · 3.875%
HK$141,210
−HK$3,741/mo
Today · 4.125%
HK$144,951
baseline
▲ 0.50% · 4.625%
HK$152,592
+HK$7,641/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,902/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,279,991 · Scale 2, in force from 26 Feb 2026)