LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,280
−HK$4,219/mo
▼ 0.25% · 3.875%
HK$69,373
−HK$2,126/mo
Today · 4.125%
HK$71,499
baseline
▲ 0.50% · 4.625%
HK$75,850
+HK$4,351/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$142,998/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,849
−HK$4,044/mo
▼ 0.25% · 3.875%
HK$76,856
−HK$2,037/mo
Today · 4.125%
HK$78,893
baseline
▲ 0.50% · 4.625%
HK$83,051
+HK$4,158/mo
Deposit HK$14.75M · loan HK$14.75M · min. income ≈ HK$157,786/mo (50% DSR)
Upfront cash ≈ HK$16.01M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,736
−HK$5,063/mo
▼ 0.25% · 3.875%
HK$83,248
−HK$2,551/mo
Today · 4.125%
HK$85,799
baseline
▲ 0.50% · 4.625%
HK$91,020
+HK$5,221/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$171,598/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,819
−HK$4,852/mo
▼ 0.25% · 3.875%
HK$92,227
−HK$2,444/mo
Today · 4.125%
HK$94,671
baseline
▲ 0.50% · 4.625%
HK$99,661
+HK$4,990/mo
Deposit HK$11.80M · loan HK$17.70M · min. income ≈ HK$189,342/mo (50% DSR)
Upfront cash ≈ HK$13.06M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,193
−HK$5,906/mo
▼ 0.25% · 3.875%
HK$97,123
−HK$2,976/mo
Today · 4.125%
HK$100,099
baseline
▲ 0.50% · 4.625%
HK$106,190
+HK$6,091/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$200,198/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,788
−HK$5,662/mo
▼ 0.25% · 3.875%
HK$107,599
−HK$2,851/mo
Today · 4.125%
HK$110,450
baseline
▲ 0.50% · 4.625%
HK$116,272
+HK$5,822/mo
Deposit HK$8.85M · loan HK$20.65M · min. income ≈ HK$220,900/mo (50% DSR)
Upfront cash ≈ HK$10.11M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,105
−HK$7,594/mo
▼ 0.25% · 3.875%
HK$124,872
−HK$3,827/mo
Today · 4.125%
HK$128,699
baseline
▲ 0.50% · 4.625%
HK$136,530
+HK$7,831/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$257,398/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,728
−HK$7,279/mo
▼ 0.25% · 3.875%
HK$138,341
−HK$3,666/mo
Today · 4.125%
HK$142,007
baseline
▲ 0.50% · 4.625%
HK$149,492
+HK$7,485/mo
Deposit HK$2.95M · loan HK$26.56M · min. income ≈ HK$284,014/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$1,253,990 · Scale 2, in force from 26 Feb 2026)