LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,540
−HK$4,236/mo
▼ 0.25% · 3.875%
HK$69,641
−HK$2,135/mo
Today · 4.125%
HK$71,776
baseline
▲ 0.50% · 4.625%
HK$76,143
+HK$4,367/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,552/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,138
−HK$4,060/mo
▼ 0.25% · 3.875%
HK$77,153
−HK$2,045/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$83,372
+HK$4,174/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,049
−HK$5,082/mo
▼ 0.25% · 3.875%
HK$83,570
−HK$2,561/mo
Today · 4.125%
HK$86,131
baseline
▲ 0.50% · 4.625%
HK$91,372
+HK$5,241/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$172,262/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,166
−HK$4,871/mo
▼ 0.25% · 3.875%
HK$92,584
−HK$2,453/mo
Today · 4.125%
HK$95,037
baseline
▲ 0.50% · 4.625%
HK$100,047
+HK$5,010/mo
Deposit HK$11.85M · loan HK$17.77M · min. income ≈ HK$190,074/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,557
−HK$5,929/mo
▼ 0.25% · 3.875%
HK$97,498
−HK$2,988/mo
Today · 4.125%
HK$100,486
baseline
▲ 0.50% · 4.625%
HK$106,601
+HK$6,115/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$200,972/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,193
−HK$5,684/mo
▼ 0.25% · 3.875%
HK$108,015
−HK$2,862/mo
Today · 4.125%
HK$110,877
baseline
▲ 0.50% · 4.625%
HK$116,721
+HK$5,844/mo
Deposit HK$8.89M · loan HK$20.73M · min. income ≈ HK$221,754/mo (50% DSR)
Upfront cash ≈ HK$10.14M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,573
−HK$7,624/mo
▼ 0.25% · 3.875%
HK$125,354
−HK$3,843/mo
Today · 4.125%
HK$129,197
baseline
▲ 0.50% · 4.625%
HK$137,058
+HK$7,861/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,394/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,249
−HK$7,307/mo
▼ 0.25% · 3.875%
HK$138,876
−HK$3,680/mo
Today · 4.125%
HK$142,556
baseline
▲ 0.50% · 4.625%
HK$150,070
+HK$7,514/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,112/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,258,837 · Scale 2, in force from 26 Feb 2026)