LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,703
−HK$4,308/mo
▼ 0.25% · 3.875%
HK$70,840
−HK$2,171/mo
Today · 4.125%
HK$73,011
baseline
▲ 0.50% · 4.625%
HK$77,454
+HK$4,443/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$146,022/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,432
−HK$4,129/mo
▼ 0.25% · 3.875%
HK$78,481
−HK$2,080/mo
Today · 4.125%
HK$80,561
baseline
▲ 0.50% · 4.625%
HK$84,807
+HK$4,246/mo
Deposit HK$15.06M · loan HK$15.06M · min. income ≈ HK$161,122/mo (50% DSR)
Upfront cash ≈ HK$16.35M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,444
−HK$5,170/mo
▼ 0.25% · 3.875%
HK$85,008
−HK$2,606/mo
Today · 4.125%
HK$87,614
baseline
▲ 0.50% · 4.625%
HK$92,945
+HK$5,331/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$175,228/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,718
−HK$4,955/mo
▼ 0.25% · 3.875%
HK$94,178
−HK$2,495/mo
Today · 4.125%
HK$96,673
baseline
▲ 0.50% · 4.625%
HK$101,769
+HK$5,096/mo
Deposit HK$12.05M · loan HK$18.08M · min. income ≈ HK$193,346/mo (50% DSR)
Upfront cash ≈ HK$13.33M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,184
−HK$6,032/mo
▼ 0.25% · 3.875%
HK$99,176
−HK$3,040/mo
Today · 4.125%
HK$102,216
baseline
▲ 0.50% · 4.625%
HK$108,436
+HK$6,220/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$204,432/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,004
−HK$5,781/mo
▼ 0.25% · 3.875%
HK$109,874
−HK$2,911/mo
Today · 4.125%
HK$112,785
baseline
▲ 0.50% · 4.625%
HK$118,730
+HK$5,945/mo
Deposit HK$9.04M · loan HK$21.09M · min. income ≈ HK$225,570/mo (50% DSR)
Upfront cash ≈ HK$10.32M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,666
−HK$7,755/mo
▼ 0.25% · 3.875%
HK$127,512
−HK$3,909/mo
Today · 4.125%
HK$131,421
baseline
▲ 0.50% · 4.625%
HK$139,417
+HK$7,996/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$262,842/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,577
−HK$7,433/mo
▼ 0.25% · 3.875%
HK$141,267
−HK$3,743/mo
Today · 4.125%
HK$145,010
baseline
▲ 0.50% · 4.625%
HK$152,653
+HK$7,643/mo
Deposit HK$3.01M · loan HK$27.12M · min. income ≈ HK$290,020/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$1,280,508 · Scale 2, in force from 26 Feb 2026)