LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,573
−HK$4,237/mo
▼ 0.25% · 3.875%
HK$69,675
−HK$2,135/mo
Today · 4.125%
HK$71,810
baseline
▲ 0.50% · 4.625%
HK$76,180
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,620/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,174
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,190
−HK$2,046/mo
Today · 4.125%
HK$79,236
baseline
▲ 0.50% · 4.625%
HK$83,412
+HK$4,176/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,472/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,088
−HK$5,084/mo
▼ 0.25% · 3.875%
HK$83,610
−HK$2,562/mo
Today · 4.125%
HK$86,172
baseline
▲ 0.50% · 4.625%
HK$91,416
+HK$5,244/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,344/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,209
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,628
−HK$2,455/mo
Today · 4.125%
HK$95,083
baseline
▲ 0.50% · 4.625%
HK$100,095
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,166/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,602
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,545
−HK$2,990/mo
Today · 4.125%
HK$100,535
baseline
▲ 0.50% · 4.625%
HK$106,652
+HK$6,117/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$201,070/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,244
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,067
−HK$2,863/mo
Today · 4.125%
HK$110,930
baseline
▲ 0.50% · 4.625%
HK$116,777
+HK$5,847/mo
Deposit HK$8.89M · loan HK$20.74M · min. income ≈ HK$221,860/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,631
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,415
−HK$3,844/mo
Today · 4.125%
HK$129,259
baseline
▲ 0.50% · 4.625%
HK$137,124
+HK$7,865/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,518/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,314
−HK$7,310/mo
▼ 0.25% · 3.875%
HK$138,943
−HK$3,681/mo
Today · 4.125%
HK$142,624
baseline
▲ 0.50% · 4.625%
HK$150,142
+HK$7,518/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,248/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,443 · Scale 2, in force from 26 Feb 2026)