LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,173
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,263
−HK$2,123/mo
Today · 4.125%
HK$71,386
baseline
▲ 0.50% · 4.625%
HK$75,729
+HK$4,343/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,772/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,730
−HK$4,037/mo
▼ 0.25% · 3.875%
HK$76,734
−HK$2,033/mo
Today · 4.125%
HK$78,767
baseline
▲ 0.50% · 4.625%
HK$82,919
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,534/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,608
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,115
−HK$2,548/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,875
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,676
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,081
−HK$2,440/mo
Today · 4.125%
HK$94,521
baseline
▲ 0.50% · 4.625%
HK$99,503
+HK$4,982/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$189,042/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,043
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,968
−HK$2,972/mo
Today · 4.125%
HK$99,940
baseline
▲ 0.50% · 4.625%
HK$106,021
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,880/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,622
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,428
−HK$2,846/mo
Today · 4.125%
HK$110,274
baseline
▲ 0.50% · 4.625%
HK$116,087
+HK$5,813/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,548/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,912
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,673
−HK$3,821/mo
Today · 4.125%
HK$128,494
baseline
▲ 0.50% · 4.625%
HK$136,313
+HK$7,819/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,988/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,514
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,121
−HK$3,660/mo
Today · 4.125%
HK$141,781
baseline
▲ 0.50% · 4.625%
HK$149,254
+HK$7,473/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,562/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,251,996 · Scale 2, in force from 26 Feb 2026)