LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,410
−HK$4,228/mo
▼ 0.25% · 3.875%
HK$69,507
−HK$2,131/mo
Today · 4.125%
HK$71,638
baseline
▲ 0.50% · 4.625%
HK$75,997
+HK$4,359/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$143,276/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,993
−HK$4,052/mo
▼ 0.25% · 3.875%
HK$77,005
−HK$2,040/mo
Today · 4.125%
HK$79,045
baseline
▲ 0.50% · 4.625%
HK$83,212
+HK$4,167/mo
Deposit HK$14.78M · loan HK$14.78M · min. income ≈ HK$158,090/mo (50% DSR)
Upfront cash ≈ HK$16.04M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,892
−HK$5,073/mo
▼ 0.25% · 3.875%
HK$83,409
−HK$2,556/mo
Today · 4.125%
HK$85,965
baseline
▲ 0.50% · 4.625%
HK$91,196
+HK$5,231/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$171,930/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,992
−HK$4,862/mo
▼ 0.25% · 3.875%
HK$92,406
−HK$2,448/mo
Today · 4.125%
HK$94,854
baseline
▲ 0.50% · 4.625%
HK$99,854
+HK$5,000/mo
Deposit HK$11.83M · loan HK$17.74M · min. income ≈ HK$189,708/mo (50% DSR)
Upfront cash ≈ HK$13.08M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,374
−HK$5,919/mo
▼ 0.25% · 3.875%
HK$97,310
−HK$2,983/mo
Today · 4.125%
HK$100,293
baseline
▲ 0.50% · 4.625%
HK$106,395
+HK$6,102/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$200,586/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,991
−HK$5,672/mo
▼ 0.25% · 3.875%
HK$107,806
−HK$2,857/mo
Today · 4.125%
HK$110,663
baseline
▲ 0.50% · 4.625%
HK$116,496
+HK$5,833/mo
Deposit HK$8.87M · loan HK$20.69M · min. income ≈ HK$221,326/mo (50% DSR)
Upfront cash ≈ HK$10.13M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,339
−HK$7,609/mo
▼ 0.25% · 3.875%
HK$125,113
−HK$3,835/mo
Today · 4.125%
HK$128,948
baseline
▲ 0.50% · 4.625%
HK$136,794
+HK$7,846/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$257,896/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,988
−HK$7,293/mo
▼ 0.25% · 3.875%
HK$138,608
−HK$3,673/mo
Today · 4.125%
HK$142,281
baseline
▲ 0.50% · 4.625%
HK$149,781
+HK$7,500/mo
Deposit HK$2.96M · loan HK$26.61M · min. income ≈ HK$284,562/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$1,256,412 · Scale 2, in force from 26 Feb 2026)