LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,170
−HK$4,212/mo
▼ 0.25% · 3.875%
HK$69,260
−HK$2,122/mo
Today · 4.125%
HK$71,382
baseline
▲ 0.50% · 4.625%
HK$75,726
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,764/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,726
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,730
−HK$2,034/mo
Today · 4.125%
HK$78,764
baseline
▲ 0.50% · 4.625%
HK$82,915
+HK$4,151/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,528/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,604
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,112
−HK$2,547/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,871
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,672
−HK$4,844/mo
▼ 0.25% · 3.875%
HK$92,077
−HK$2,439/mo
Today · 4.125%
HK$94,516
baseline
▲ 0.50% · 4.625%
HK$99,498
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.67M · min. income ≈ HK$189,032/mo (50% DSR)
Upfront cash ≈ HK$13.03M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,038
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,964
−HK$2,971/mo
Today · 4.125%
HK$99,935
baseline
▲ 0.50% · 4.625%
HK$106,016
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,870/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,617
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,423
−HK$2,846/mo
Today · 4.125%
HK$110,269
baseline
▲ 0.50% · 4.625%
HK$116,081
+HK$5,812/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,538/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,907
−HK$7,581/mo
▼ 0.25% · 3.875%
HK$124,667
−HK$3,821/mo
Today · 4.125%
HK$128,488
baseline
▲ 0.50% · 4.625%
HK$136,307
+HK$7,819/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,976/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,507
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,115
−HK$3,659/mo
Today · 4.125%
HK$141,774
baseline
▲ 0.50% · 4.625%
HK$149,247
+HK$7,473/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,548/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,938 · Scale 2, in force from 26 Feb 2026)