LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,526
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$2,134/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$76,127
+HK$4,366/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,522/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,122
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,137
−HK$2,044/mo
Today · 4.125%
HK$79,181
baseline
▲ 0.50% · 4.625%
HK$83,354
+HK$4,173/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,362/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,031
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,552
−HK$2,561/mo
Today · 4.125%
HK$86,113
baseline
▲ 0.50% · 4.625%
HK$91,352
+HK$5,239/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,226/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,146
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,564
−HK$2,453/mo
Today · 4.125%
HK$95,017
baseline
▲ 0.50% · 4.625%
HK$100,025
+HK$5,008/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,034/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,536
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,477
−HK$2,988/mo
Today · 4.125%
HK$100,465
baseline
▲ 0.50% · 4.625%
HK$106,578
+HK$6,113/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,930/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,171
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,992
−HK$2,861/mo
Today · 4.125%
HK$110,853
baseline
▲ 0.50% · 4.625%
HK$116,696
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,706/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,547
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,328
−HK$3,841/mo
Today · 4.125%
HK$129,169
baseline
▲ 0.50% · 4.625%
HK$137,029
+HK$7,860/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,338/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,220
−HK$7,305/mo
▼ 0.25% · 3.875%
HK$138,846
−HK$3,679/mo
Today · 4.125%
HK$142,525
baseline
▲ 0.50% · 4.625%
HK$150,038
+HK$7,513/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,050/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,568 · Scale 2, in force from 26 Feb 2026)