LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,225
−HK$4,216/mo
▼ 0.25% · 3.875%
HK$69,316
−HK$2,125/mo
Today · 4.125%
HK$71,441
baseline
▲ 0.50% · 4.625%
HK$75,788
+HK$4,347/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$142,882/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,788
−HK$4,040/mo
▼ 0.25% · 3.875%
HK$76,793
−HK$2,035/mo
Today · 4.125%
HK$78,828
baseline
▲ 0.50% · 4.625%
HK$82,983
+HK$4,155/mo
Deposit HK$14.74M · loan HK$14.74M · min. income ≈ HK$157,656/mo (50% DSR)
Upfront cash ≈ HK$15.99M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,670
−HK$5,059/mo
▼ 0.25% · 3.875%
HK$83,180
−HK$2,549/mo
Today · 4.125%
HK$85,729
baseline
▲ 0.50% · 4.625%
HK$90,946
+HK$5,217/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$171,458/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,745
−HK$4,849/mo
▼ 0.25% · 3.875%
HK$92,152
−HK$2,442/mo
Today · 4.125%
HK$94,594
baseline
▲ 0.50% · 4.625%
HK$99,580
+HK$4,986/mo
Deposit HK$11.79M · loan HK$17.69M · min. income ≈ HK$189,188/mo (50% DSR)
Upfront cash ≈ HK$13.05M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,116
−HK$5,901/mo
▼ 0.25% · 3.875%
HK$97,043
−HK$2,974/mo
Today · 4.125%
HK$100,017
baseline
▲ 0.50% · 4.625%
HK$106,103
+HK$6,086/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$200,034/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,703
−HK$5,656/mo
▼ 0.25% · 3.875%
HK$107,511
−HK$2,848/mo
Today · 4.125%
HK$110,359
baseline
▲ 0.50% · 4.625%
HK$116,177
+HK$5,818/mo
Deposit HK$8.84M · loan HK$20.64M · min. income ≈ HK$220,718/mo (50% DSR)
Upfront cash ≈ HK$10.10M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,006
−HK$7,588/mo
▼ 0.25% · 3.875%
HK$124,770
−HK$3,824/mo
Today · 4.125%
HK$128,594
baseline
▲ 0.50% · 4.625%
HK$136,418
+HK$7,824/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$257,188/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,618
−HK$7,273/mo
▼ 0.25% · 3.875%
HK$138,228
−HK$3,663/mo
Today · 4.125%
HK$141,891
baseline
▲ 0.50% · 4.625%
HK$149,370
+HK$7,479/mo
Deposit HK$2.95M · loan HK$26.53M · min. income ≈ HK$283,782/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,252,964 · Scale 2, in force from 26 Feb 2026)