LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,520
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,620
−HK$2,134/mo
Today · 4.125%
HK$71,754
baseline
▲ 0.50% · 4.625%
HK$76,120
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,508/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,115
−HK$4,058/mo
▼ 0.25% · 3.875%
HK$77,130
−HK$2,043/mo
Today · 4.125%
HK$79,173
baseline
▲ 0.50% · 4.625%
HK$83,347
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,346/mo (50% DSR)
Upfront cash ≈ HK$16.06M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,024
−HK$5,081/mo
▼ 0.25% · 3.875%
HK$83,544
−HK$2,561/mo
Today · 4.125%
HK$86,105
baseline
▲ 0.50% · 4.625%
HK$91,344
+HK$5,239/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$172,210/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,138
−HK$4,870/mo
▼ 0.25% · 3.875%
HK$92,556
−HK$2,452/mo
Today · 4.125%
HK$95,008
baseline
▲ 0.50% · 4.625%
HK$100,016
+HK$5,008/mo
Deposit HK$11.84M · loan HK$17.77M · min. income ≈ HK$190,016/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,528
−HK$5,928/mo
▼ 0.25% · 3.875%
HK$97,468
−HK$2,988/mo
Today · 4.125%
HK$100,456
baseline
▲ 0.50% · 4.625%
HK$106,568
+HK$6,112/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,912/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,161
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,982
−HK$2,861/mo
Today · 4.125%
HK$110,843
baseline
▲ 0.50% · 4.625%
HK$116,686
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,686/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,536
−HK$7,621/mo
▼ 0.25% · 3.875%
HK$125,316
−HK$3,841/mo
Today · 4.125%
HK$129,157
baseline
▲ 0.50% · 4.625%
HK$137,016
+HK$7,859/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,314/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,207
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,834
−HK$3,678/mo
Today · 4.125%
HK$142,512
baseline
▲ 0.50% · 4.625%
HK$150,024
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,024/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,454 · Scale 2, in force from 26 Feb 2026)