LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,890
−HK$4,194/mo
▼ 0.25% · 3.875%
HK$68,970
−HK$2,114/mo
Today · 4.125%
HK$71,084
baseline
▲ 0.50% · 4.625%
HK$75,410
+HK$4,326/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,168/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,414
−HK$4,021/mo
▼ 0.25% · 3.875%
HK$76,410
−HK$2,025/mo
Today · 4.125%
HK$78,435
baseline
▲ 0.50% · 4.625%
HK$82,569
+HK$4,134/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,870/mo (50% DSR)
Upfront cash ≈ HK$15.91M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,268
−HK$5,033/mo
▼ 0.25% · 3.875%
HK$82,764
−HK$2,537/mo
Today · 4.125%
HK$85,301
baseline
▲ 0.50% · 4.625%
HK$90,492
+HK$5,191/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$170,602/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,297
−HK$4,824/mo
▼ 0.25% · 3.875%
HK$91,692
−HK$2,429/mo
Today · 4.125%
HK$94,121
baseline
▲ 0.50% · 4.625%
HK$99,083
+HK$4,962/mo
Deposit HK$11.73M · loan HK$17.60M · min. income ≈ HK$188,242/mo (50% DSR)
Upfront cash ≈ HK$12.98M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,646
−HK$5,872/mo
▼ 0.25% · 3.875%
HK$96,559
−HK$2,959/mo
Today · 4.125%
HK$99,518
baseline
▲ 0.50% · 4.625%
HK$105,573
+HK$6,055/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$199,036/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,180
−HK$5,628/mo
▼ 0.25% · 3.875%
HK$106,974
−HK$2,834/mo
Today · 4.125%
HK$109,808
baseline
▲ 0.50% · 4.625%
HK$115,597
+HK$5,789/mo
Deposit HK$8.80M · loan HK$20.53M · min. income ≈ HK$219,616/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,402
−HK$7,550/mo
▼ 0.25% · 3.875%
HK$124,147
−HK$3,805/mo
Today · 4.125%
HK$127,952
baseline
▲ 0.50% · 4.625%
HK$135,737
+HK$7,785/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$255,904/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,946
−HK$7,236/mo
▼ 0.25% · 3.875%
HK$137,538
−HK$3,644/mo
Today · 4.125%
HK$141,182
baseline
▲ 0.50% · 4.625%
HK$148,624
+HK$7,442/mo
Deposit HK$2.93M · loan HK$26.40M · min. income ≈ HK$282,364/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,246,709 · Scale 2, in force from 26 Feb 2026)