LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,684
−HK$4,307/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$2,171/mo
Today · 4.125%
HK$72,991
baseline
▲ 0.50% · 4.625%
HK$77,432
+HK$4,441/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$145,982/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,410
−HK$4,128/mo
▼ 0.25% · 3.875%
HK$78,459
−HK$2,079/mo
Today · 4.125%
HK$80,538
baseline
▲ 0.50% · 4.625%
HK$84,784
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,076/mo (50% DSR)
Upfront cash ≈ HK$16.34M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,421
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$84,984
−HK$2,605/mo
Today · 4.125%
HK$87,589
baseline
▲ 0.50% · 4.625%
HK$92,919
+HK$5,330/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$175,178/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,692
−HK$4,954/mo
▼ 0.25% · 3.875%
HK$94,151
−HK$2,495/mo
Today · 4.125%
HK$96,646
baseline
▲ 0.50% · 4.625%
HK$101,740
+HK$5,094/mo
Deposit HK$12.05M · loan HK$18.07M · min. income ≈ HK$193,292/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,157
−HK$6,030/mo
▼ 0.25% · 3.875%
HK$99,148
−HK$3,039/mo
Today · 4.125%
HK$102,187
baseline
▲ 0.50% · 4.625%
HK$108,405
+HK$6,218/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$204,374/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,974
−HK$5,780/mo
▼ 0.25% · 3.875%
HK$109,843
−HK$2,911/mo
Today · 4.125%
HK$112,754
baseline
▲ 0.50% · 4.625%
HK$118,697
+HK$5,943/mo
Deposit HK$9.04M · loan HK$21.08M · min. income ≈ HK$225,508/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,631
−HK$7,753/mo
▼ 0.25% · 3.875%
HK$127,477
−HK$3,907/mo
Today · 4.125%
HK$131,384
baseline
▲ 0.50% · 4.625%
HK$139,378
+HK$7,994/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$262,768/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,538
−HK$7,431/mo
▼ 0.25% · 3.875%
HK$141,227
−HK$3,742/mo
Today · 4.125%
HK$144,969
baseline
▲ 0.50% · 4.625%
HK$152,611
+HK$7,642/mo
Deposit HK$3.01M · loan HK$27.11M · min. income ≈ HK$289,938/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,148 · Scale 2, in force from 26 Feb 2026)