LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,483
−HK$4,231/mo
▼ 0.25% · 3.875%
HK$69,582
−HK$2,132/mo
Today · 4.125%
HK$71,714
baseline
▲ 0.50% · 4.625%
HK$76,078
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,428/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,074
−HK$4,056/mo
▼ 0.25% · 3.875%
HK$77,087
−HK$2,043/mo
Today · 4.125%
HK$79,130
baseline
▲ 0.50% · 4.625%
HK$83,301
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,260/mo (50% DSR)
Upfront cash ≈ HK$16.05M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,979
−HK$5,078/mo
▼ 0.25% · 3.875%
HK$83,498
−HK$2,559/mo
Today · 4.125%
HK$86,057
baseline
▲ 0.50% · 4.625%
HK$91,294
+HK$5,237/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,114/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,089
−HK$4,867/mo
▼ 0.25% · 3.875%
HK$92,505
−HK$2,451/mo
Today · 4.125%
HK$94,956
baseline
▲ 0.50% · 4.625%
HK$99,961
+HK$5,005/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,912/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,476
−HK$5,924/mo
▼ 0.25% · 3.875%
HK$97,414
−HK$2,986/mo
Today · 4.125%
HK$100,400
baseline
▲ 0.50% · 4.625%
HK$106,509
+HK$6,109/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,800/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,103
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,922
−HK$2,860/mo
Today · 4.125%
HK$110,782
baseline
▲ 0.50% · 4.625%
HK$116,621
+HK$5,839/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,564/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,469
−HK$7,617/mo
▼ 0.25% · 3.875%
HK$125,247
−HK$3,839/mo
Today · 4.125%
HK$129,086
baseline
▲ 0.50% · 4.625%
HK$136,941
+HK$7,855/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$258,172/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,133
−HK$7,301/mo
▼ 0.25% · 3.875%
HK$138,757
−HK$3,677/mo
Today · 4.125%
HK$142,434
baseline
▲ 0.50% · 4.625%
HK$149,942
+HK$7,508/mo
Deposit HK$2.96M · loan HK$26.63M · min. income ≈ HK$284,868/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,760 · Scale 2, in force from 26 Feb 2026)