LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,527
−HK$4,234/mo
▼ 0.25% · 3.875%
HK$69,627
−HK$2,134/mo
Today · 4.125%
HK$71,761
baseline
▲ 0.50% · 4.625%
HK$76,128
+HK$4,367/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$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,123
−HK$4,059/mo
▼ 0.25% · 3.875%
HK$77,138
−HK$2,044/mo
Today · 4.125%
HK$79,182
baseline
▲ 0.50% · 4.625%
HK$83,355
+HK$4,173/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,364/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,032
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,553
−HK$2,561/mo
Today · 4.125%
HK$86,114
baseline
▲ 0.50% · 4.625%
HK$91,353
+HK$5,239/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,228/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,147
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,565
−HK$2,453/mo
Today · 4.125%
HK$95,018
baseline
▲ 0.50% · 4.625%
HK$100,026
+HK$5,008/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,036/mo (50% DSR)
Upfront cash ≈ HK$13.10M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,537
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,478
−HK$2,988/mo
Today · 4.125%
HK$100,466
baseline
▲ 0.50% · 4.625%
HK$106,579
+HK$6,113/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$200,932/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,172
−HK$5,682/mo
▼ 0.25% · 3.875%
HK$107,993
−HK$2,861/mo
Today · 4.125%
HK$110,854
baseline
▲ 0.50% · 4.625%
HK$116,697
+HK$5,843/mo
Deposit HK$8.88M · loan HK$20.73M · min. income ≈ HK$221,708/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,548
−HK$7,622/mo
▼ 0.25% · 3.875%
HK$125,329
−HK$3,841/mo
Today · 4.125%
HK$129,170
baseline
▲ 0.50% · 4.625%
HK$137,030
+HK$7,860/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$258,340/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,221
−HK$7,306/mo
▼ 0.25% · 3.875%
HK$138,848
−HK$3,679/mo
Today · 4.125%
HK$142,527
baseline
▲ 0.50% · 4.625%
HK$150,039
+HK$7,512/mo
Deposit HK$2.96M · loan HK$26.65M · min. income ≈ HK$285,054/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,582 · Scale 2, in force from 26 Feb 2026)