LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,495
−HK$4,232/mo
▼ 0.25% · 3.875%
HK$69,594
−HK$2,133/mo
Today · 4.125%
HK$71,727
baseline
▲ 0.50% · 4.625%
HK$76,091
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,454/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,087
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,101
−HK$2,043/mo
Today · 4.125%
HK$79,144
baseline
▲ 0.50% · 4.625%
HK$83,316
+HK$4,172/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,288/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,993
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,513
−HK$2,559/mo
Today · 4.125%
HK$86,072
baseline
▲ 0.50% · 4.625%
HK$91,310
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,144/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,104
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,521
−HK$2,451/mo
Today · 4.125%
HK$94,972
baseline
▲ 0.50% · 4.625%
HK$99,979
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,944/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,492
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,432
−HK$2,986/mo
Today · 4.125%
HK$100,418
baseline
▲ 0.50% · 4.625%
HK$106,528
+HK$6,110/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,836/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,122
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,941
−HK$2,860/mo
Today · 4.125%
HK$110,801
baseline
▲ 0.50% · 4.625%
HK$116,642
+HK$5,841/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,602/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,490
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$125,269
−HK$3,840/mo
Today · 4.125%
HK$129,109
baseline
▲ 0.50% · 4.625%
HK$136,965
+HK$7,856/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,218/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,157
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,781
−HK$3,678/mo
Today · 4.125%
HK$142,459
baseline
▲ 0.50% · 4.625%
HK$149,968
+HK$7,509/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,918/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,981 · Scale 2, in force from 26 Feb 2026)