LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,385
−HK$4,226/mo
▼ 0.25% · 3.875%
HK$69,481
−HK$2,130/mo
Today · 4.125%
HK$71,611
baseline
▲ 0.50% · 4.625%
HK$75,968
+HK$4,357/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,222/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,965
−HK$4,050/mo
▼ 0.25% · 3.875%
HK$76,976
−HK$2,039/mo
Today · 4.125%
HK$79,015
baseline
▲ 0.50% · 4.625%
HK$83,180
+HK$4,165/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,030/mo (50% DSR)
Upfront cash ≈ HK$16.03M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,862
−HK$5,071/mo
▼ 0.25% · 3.875%
HK$83,377
−HK$2,556/mo
Today · 4.125%
HK$85,933
baseline
▲ 0.50% · 4.625%
HK$91,162
+HK$5,229/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$171,866/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,958
−HK$4,860/mo
▼ 0.25% · 3.875%
HK$92,371
−HK$2,447/mo
Today · 4.125%
HK$94,818
baseline
▲ 0.50% · 4.625%
HK$99,816
+HK$4,998/mo
Deposit HK$11.82M · loan HK$17.73M · min. income ≈ HK$189,636/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,339
−HK$5,916/mo
▼ 0.25% · 3.875%
HK$97,273
−HK$2,982/mo
Today · 4.125%
HK$100,255
baseline
▲ 0.50% · 4.625%
HK$106,355
+HK$6,100/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,510/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,951
−HK$5,670/mo
▼ 0.25% · 3.875%
HK$107,766
−HK$2,855/mo
Today · 4.125%
HK$110,621
baseline
▲ 0.50% · 4.625%
HK$116,452
+HK$5,831/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,242/mo (50% DSR)
Upfront cash ≈ HK$10.12M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,293
−HK$7,606/mo
▼ 0.25% · 3.875%
HK$125,066
−HK$3,833/mo
Today · 4.125%
HK$128,899
baseline
▲ 0.50% · 4.625%
HK$136,742
+HK$7,843/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$257,798/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,937
−HK$7,290/mo
▼ 0.25% · 3.875%
HK$138,556
−HK$3,671/mo
Today · 4.125%
HK$142,227
baseline
▲ 0.50% · 4.625%
HK$149,724
+HK$7,497/mo
Deposit HK$2.96M · loan HK$26.60M · min. income ≈ HK$284,454/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,255,938 · Scale 2, in force from 26 Feb 2026)