LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,175
−HK$4,213/mo
▼ 0.25% · 3.875%
HK$69,265
−HK$2,123/mo
Today · 4.125%
HK$71,388
baseline
▲ 0.50% · 4.625%
HK$75,732
+HK$4,344/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$142,776/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,732
−HK$4,038/mo
▼ 0.25% · 3.875%
HK$76,736
−HK$2,034/mo
Today · 4.125%
HK$78,770
baseline
▲ 0.50% · 4.625%
HK$82,922
+HK$4,152/mo
Deposit HK$14.73M · loan HK$14.73M · min. income ≈ HK$157,540/mo (50% DSR)
Upfront cash ≈ HK$15.98M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,611
−HK$5,055/mo
▼ 0.25% · 3.875%
HK$83,118
−HK$2,548/mo
Today · 4.125%
HK$85,666
baseline
▲ 0.50% · 4.625%
HK$90,878
+HK$5,212/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$171,332/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,678
−HK$4,845/mo
▼ 0.25% · 3.875%
HK$92,084
−HK$2,439/mo
Today · 4.125%
HK$94,523
baseline
▲ 0.50% · 4.625%
HK$99,506
+HK$4,983/mo
Deposit HK$11.78M · loan HK$17.68M · min. income ≈ HK$189,046/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,046
−HK$5,897/mo
▼ 0.25% · 3.875%
HK$96,971
−HK$2,972/mo
Today · 4.125%
HK$99,943
baseline
▲ 0.50% · 4.625%
HK$106,024
+HK$6,081/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$199,886/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,625
−HK$5,652/mo
▼ 0.25% · 3.875%
HK$107,431
−HK$2,846/mo
Today · 4.125%
HK$110,277
baseline
▲ 0.50% · 4.625%
HK$116,090
+HK$5,813/mo
Deposit HK$8.84M · loan HK$20.62M · min. income ≈ HK$220,554/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,916
−HK$7,582/mo
▼ 0.25% · 3.875%
HK$124,677
−HK$3,821/mo
Today · 4.125%
HK$128,498
baseline
▲ 0.50% · 4.625%
HK$136,317
+HK$7,819/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$256,996/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,518
−HK$7,267/mo
▼ 0.25% · 3.875%
HK$138,125
−HK$3,660/mo
Today · 4.125%
HK$141,785
baseline
▲ 0.50% · 4.625%
HK$149,259
+HK$7,474/mo
Deposit HK$2.95M · loan HK$26.51M · min. income ≈ HK$283,570/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,034 · Scale 2, in force from 26 Feb 2026)