LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,495
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,595
−HK$2,133/mo
Today · 4.125%
HK$71,728
baseline
▲ 0.50% · 4.625%
HK$76,092
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,456/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,088
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,102
−HK$2,043/mo
Today · 4.125%
HK$79,145
baseline
▲ 0.50% · 4.625%
HK$83,316
+HK$4,171/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,290/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,994
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,559/mo
Today · 4.125%
HK$86,073
baseline
▲ 0.50% · 4.625%
HK$91,311
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,146/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,105
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,522
−HK$2,451/mo
Today · 4.125%
HK$94,973
baseline
▲ 0.50% · 4.625%
HK$99,980
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,946/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,493
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,433
−HK$2,986/mo
Today · 4.125%
HK$100,419
baseline
▲ 0.50% · 4.625%
HK$106,529
+HK$6,110/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,838/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,123
−HK$5,679/mo
▼ 0.25% · 3.875%
HK$107,942
−HK$2,860/mo
Today · 4.125%
HK$110,802
baseline
▲ 0.50% · 4.625%
HK$116,643
+HK$5,841/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,604/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,491
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$125,271
−HK$3,839/mo
Today · 4.125%
HK$129,110
baseline
▲ 0.50% · 4.625%
HK$136,966
+HK$7,856/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,220/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,158
−HK$7,302/mo
▼ 0.25% · 3.875%
HK$138,783
−HK$3,677/mo
Today · 4.125%
HK$142,460
baseline
▲ 0.50% · 4.625%
HK$149,969
+HK$7,509/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,920/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,257,994 · Scale 2, in force from 26 Feb 2026)