LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,502
−HK$4,233/mo
▼ 0.25% · 3.875%
HK$69,601
−HK$2,134/mo
Today · 4.125%
HK$71,735
baseline
▲ 0.50% · 4.625%
HK$76,099
+HK$4,364/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$143,470/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,095
−HK$4,057/mo
▼ 0.25% · 3.875%
HK$77,109
−HK$2,043/mo
Today · 4.125%
HK$79,152
baseline
▲ 0.50% · 4.625%
HK$83,324
+HK$4,172/mo
Deposit HK$14.80M · loan HK$14.80M · min. income ≈ HK$158,304/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,002
−HK$5,079/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,559/mo
Today · 4.125%
HK$86,081
baseline
▲ 0.50% · 4.625%
HK$91,319
+HK$5,238/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$172,162/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,114
−HK$4,868/mo
▼ 0.25% · 3.875%
HK$92,531
−HK$2,451/mo
Today · 4.125%
HK$94,982
baseline
▲ 0.50% · 4.625%
HK$99,989
+HK$5,007/mo
Deposit HK$11.84M · loan HK$17.76M · min. income ≈ HK$189,964/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,502
−HK$5,926/mo
▼ 0.25% · 3.875%
HK$97,442
−HK$2,986/mo
Today · 4.125%
HK$100,428
baseline
▲ 0.50% · 4.625%
HK$106,539
+HK$6,111/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$200,856/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,133
−HK$5,680/mo
▼ 0.25% · 3.875%
HK$107,952
−HK$2,861/mo
Today · 4.125%
HK$110,813
baseline
▲ 0.50% · 4.625%
HK$116,654
+HK$5,841/mo
Deposit HK$8.88M · loan HK$20.72M · min. income ≈ HK$221,626/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,503
−HK$7,619/mo
▼ 0.25% · 3.875%
HK$125,282
−HK$3,840/mo
Today · 4.125%
HK$129,122
baseline
▲ 0.50% · 4.625%
HK$136,979
+HK$7,857/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$258,244/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,171
−HK$7,303/mo
▼ 0.25% · 3.875%
HK$138,796
−HK$3,678/mo
Today · 4.125%
HK$142,474
baseline
▲ 0.50% · 4.625%
HK$149,984
+HK$7,510/mo
Deposit HK$2.96M · loan HK$26.64M · min. income ≈ HK$284,948/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,113 · Scale 2, in force from 26 Feb 2026)