LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,553
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,655
−HK$2,135/mo
Today · 4.125%
HK$71,790
baseline
▲ 0.50% · 4.625%
HK$76,158
+HK$4,368/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$143,580/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,152
−HK$4,061/mo
▼ 0.25% · 3.875%
HK$77,168
−HK$2,045/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$83,388
+HK$4,175/mo
Deposit HK$14.81M · loan HK$14.81M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$16.07M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,064
−HK$5,083/mo
▼ 0.25% · 3.875%
HK$83,586
−HK$2,561/mo
Today · 4.125%
HK$86,147
baseline
▲ 0.50% · 4.625%
HK$91,389
+HK$5,242/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,294/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,183
−HK$4,872/mo
▼ 0.25% · 3.875%
HK$92,602
−HK$2,453/mo
Today · 4.125%
HK$95,055
baseline
▲ 0.50% · 4.625%
HK$100,066
+HK$5,011/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,110/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,575
−HK$5,930/mo
▼ 0.25% · 3.875%
HK$97,516
−HK$2,989/mo
Today · 4.125%
HK$100,505
baseline
▲ 0.50% · 4.625%
HK$106,621
+HK$6,116/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,010/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,213
−HK$5,685/mo
▼ 0.25% · 3.875%
HK$108,035
−HK$2,863/mo
Today · 4.125%
HK$110,898
baseline
▲ 0.50% · 4.625%
HK$116,743
+HK$5,845/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,796/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,596
−HK$7,625/mo
▼ 0.25% · 3.875%
HK$125,378
−HK$3,843/mo
Today · 4.125%
HK$129,221
baseline
▲ 0.50% · 4.625%
HK$137,084
+HK$7,863/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$258,442/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,274
−HK$7,309/mo
▼ 0.25% · 3.875%
HK$138,902
−HK$3,681/mo
Today · 4.125%
HK$142,583
baseline
▲ 0.50% · 4.625%
HK$150,099
+HK$7,516/mo
Deposit HK$2.96M · loan HK$26.66M · min. income ≈ HK$285,166/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,077 · Scale 2, in force from 26 Feb 2026)