LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,920
−HK$4,197/mo
▼ 0.25% · 3.875%
HK$69,002
−HK$2,115/mo
Today · 4.125%
HK$71,117
baseline
▲ 0.50% · 4.625%
HK$75,444
+HK$4,327/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$142,234/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,448
−HK$4,023/mo
▼ 0.25% · 3.875%
HK$76,445
−HK$2,026/mo
Today · 4.125%
HK$78,471
baseline
▲ 0.50% · 4.625%
HK$82,607
+HK$4,136/mo
Deposit HK$14.67M · loan HK$14.67M · min. income ≈ HK$156,942/mo (50% DSR)
Upfront cash ≈ HK$15.92M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,305
−HK$5,035/mo
▼ 0.25% · 3.875%
HK$82,803
−HK$2,537/mo
Today · 4.125%
HK$85,340
baseline
▲ 0.50% · 4.625%
HK$90,533
+HK$5,193/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$170,680/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,338
−HK$4,827/mo
▼ 0.25% · 3.875%
HK$91,734
−HK$2,431/mo
Today · 4.125%
HK$94,165
baseline
▲ 0.50% · 4.625%
HK$99,128
+HK$4,963/mo
Deposit HK$11.74M · loan HK$17.61M · min. income ≈ HK$188,330/mo (50% DSR)
Upfront cash ≈ HK$12.99M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,689
−HK$5,875/mo
▼ 0.25% · 3.875%
HK$96,603
−HK$2,961/mo
Today · 4.125%
HK$99,564
baseline
▲ 0.50% · 4.625%
HK$105,622
+HK$6,058/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$199,128/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,228
−HK$5,631/mo
▼ 0.25% · 3.875%
HK$107,023
−HK$2,836/mo
Today · 4.125%
HK$109,859
baseline
▲ 0.50% · 4.625%
HK$115,650
+HK$5,791/mo
Deposit HK$8.80M · loan HK$20.54M · min. income ≈ HK$219,718/mo (50% DSR)
Upfront cash ≈ HK$10.05M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,457
−HK$7,554/mo
▼ 0.25% · 3.875%
HK$124,204
−HK$3,807/mo
Today · 4.125%
HK$128,011
baseline
▲ 0.50% · 4.625%
HK$135,800
+HK$7,789/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$256,022/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,007
−HK$7,240/mo
▼ 0.25% · 3.875%
HK$137,601
−HK$3,646/mo
Today · 4.125%
HK$141,247
baseline
▲ 0.50% · 4.625%
HK$148,692
+HK$7,445/mo
Deposit HK$2.93M · loan HK$26.41M · min. income ≈ HK$282,494/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$1,247,282 · Scale 2, in force from 26 Feb 2026)