LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,519
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,619
−HK$2,134/mo
Today · 4.125%
HK$71,753
baseline
▲ 0.50% · 4.625%
HK$76,119
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,506/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,128
−HK$2,044/mo
Today · 4.125%
HK$79,172
baseline
▲ 0.50% · 4.625%
HK$83,345
+HK$4,173/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,344/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,022
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,543
−HK$2,560/mo
Today · 4.125%
HK$86,103
baseline
▲ 0.50% · 4.625%
HK$91,342
+HK$5,239/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$172,206/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,137
−HK$4,869/mo
▼ 0.25% · 3.875%
HK$92,554
−HK$2,452/mo
Today · 4.125%
HK$95,006
baseline
▲ 0.50% · 4.625%
HK$100,014
+HK$5,008/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$190,012/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,526
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,466
−HK$2,988/mo
Today · 4.125%
HK$100,454
baseline
▲ 0.50% · 4.625%
HK$106,566
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,908/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,159
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,980
−HK$2,861/mo
Today · 4.125%
HK$110,841
baseline
▲ 0.50% · 4.625%
HK$116,683
+HK$5,842/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,682/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,534
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,314
−HK$3,841/mo
Today · 4.125%
HK$129,155
baseline
▲ 0.50% · 4.625%
HK$137,014
+HK$7,859/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,310/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,205
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,831
−HK$3,679/mo
Today · 4.125%
HK$142,510
baseline
▲ 0.50% · 4.625%
HK$150,022
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,020/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,431 · Scale 2, in force from 26 Feb 2026)