LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,208
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,299
−HK$2,124/mo
Today · 4.125%
HK$71,423
baseline
▲ 0.50% · 4.625%
HK$75,769
+HK$4,346/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,846/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,769
−HK$4,039/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,034/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$82,962
+HK$4,154/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,650
−HK$5,057/mo
▼ 0.25% · 3.875%
HK$83,159
−HK$2,548/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,923
+HK$5,216/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,722
−HK$4,848/mo
▼ 0.25% · 3.875%
HK$92,129
−HK$2,441/mo
Today · 4.125%
HK$94,570
baseline
▲ 0.50% · 4.625%
HK$99,555
+HK$4,985/mo
Deposit HK$11.79M · loan HK$17.68M · min. income ≈ HK$189,140/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,092
−HK$5,900/mo
▼ 0.25% · 3.875%
HK$97,018
−HK$2,974/mo
Today · 4.125%
HK$99,992
baseline
▲ 0.50% · 4.625%
HK$106,076
+HK$6,084/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$199,984/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,676
−HK$5,655/mo
▼ 0.25% · 3.875%
HK$107,483
−HK$2,848/mo
Today · 4.125%
HK$110,331
baseline
▲ 0.50% · 4.625%
HK$116,147
+HK$5,816/mo
Deposit HK$8.84M · loan HK$20.63M · min. income ≈ HK$220,662/mo (50% DSR)
Upfront cash ≈ HK$10.09M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,975
−HK$7,586/mo
▼ 0.25% · 3.875%
HK$124,738
−HK$3,823/mo
Today · 4.125%
HK$128,561
baseline
▲ 0.50% · 4.625%
HK$136,384
+HK$7,823/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,122/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,583
−HK$7,272/mo
▼ 0.25% · 3.875%
HK$138,193
−HK$3,662/mo
Today · 4.125%
HK$141,855
baseline
▲ 0.50% · 4.625%
HK$149,332
+HK$7,477/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,710/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,646 · Scale 2, in force from 26 Feb 2026)