LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,225
−HK$4,215/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$2,124/mo
Today · 4.125%
HK$71,440
baseline
▲ 0.50% · 4.625%
HK$75,787
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,880/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,787
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,793
−HK$2,034/mo
Today · 4.125%
HK$78,827
baseline
▲ 0.50% · 4.625%
HK$82,982
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,654/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$5,058/mo
▼ 0.25% · 3.875%
HK$83,179
−HK$2,549/mo
Today · 4.125%
HK$85,728
baseline
▲ 0.50% · 4.625%
HK$90,945
+HK$5,217/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,456/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,744
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,151
−HK$2,442/mo
Today · 4.125%
HK$94,593
baseline
▲ 0.50% · 4.625%
HK$99,579
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,186/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,115
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,042
−HK$2,974/mo
Today · 4.125%
HK$100,016
baseline
▲ 0.50% · 4.625%
HK$106,102
+HK$6,086/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,032/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,702
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,510
−HK$2,848/mo
Today · 4.125%
HK$110,358
baseline
▲ 0.50% · 4.625%
HK$116,175
+HK$5,817/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,716/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,004
−HK$7,589/mo
▼ 0.25% · 3.875%
HK$124,768
−HK$3,825/mo
Today · 4.125%
HK$128,593
baseline
▲ 0.50% · 4.625%
HK$136,417
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,186/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,616
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,227
−HK$3,662/mo
Today · 4.125%
HK$141,889
baseline
▲ 0.50% · 4.625%
HK$149,368
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,778/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,952 · Scale 2, in force from 26 Feb 2026)