LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,540
−HK$4,235/mo
▼ 0.25% · 3.875%
HK$69,640
−HK$2,135/mo
Today · 4.125%
HK$71,775
baseline
▲ 0.50% · 4.625%
HK$76,142
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,550/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,137
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,152
−HK$2,045/mo
Today · 4.125%
HK$79,197
baseline
▲ 0.50% · 4.625%
HK$83,371
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,394/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,048
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,569
−HK$2,561/mo
Today · 4.125%
HK$86,130
baseline
▲ 0.50% · 4.625%
HK$91,371
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,260/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,165
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,583
−HK$2,453/mo
Today · 4.125%
HK$95,036
baseline
▲ 0.50% · 4.625%
HK$100,045
+HK$5,009/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,072/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,555
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,497
−HK$2,988/mo
Today · 4.125%
HK$100,485
baseline
▲ 0.50% · 4.625%
HK$106,599
+HK$6,114/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,970/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,192
−HK$5,683/mo
▼ 0.25% · 3.875%
HK$108,013
−HK$2,862/mo
Today · 4.125%
HK$110,875
baseline
▲ 0.50% · 4.625%
HK$116,720
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,750/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,571
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,353
−HK$3,842/mo
Today · 4.125%
HK$129,195
baseline
▲ 0.50% · 4.625%
HK$137,056
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,390/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,247
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,874
−HK$3,680/mo
Today · 4.125%
HK$142,554
baseline
▲ 0.50% · 4.625%
HK$150,068
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,108/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,821 · Scale 2, in force from 26 Feb 2026)