LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,580
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,682
−HK$2,136/mo
Today · 4.125%
HK$71,818
baseline
▲ 0.50% · 4.625%
HK$76,188
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,636/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,182
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,198
−HK$2,046/mo
Today · 4.125%
HK$79,244
baseline
▲ 0.50% · 4.625%
HK$83,421
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,488/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,096
−HK$5,085/mo
▼ 0.25% · 3.875%
HK$83,619
−HK$2,562/mo
Today · 4.125%
HK$86,181
baseline
▲ 0.50% · 4.625%
HK$91,425
+HK$5,244/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$172,362/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,218
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,638
−HK$2,455/mo
Today · 4.125%
HK$95,093
baseline
▲ 0.50% · 4.625%
HK$100,105
+HK$5,012/mo
Deposit HK$11.85M · loan HK$17.78M · min. income ≈ HK$190,186/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,612
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,555
−HK$2,990/mo
Today · 4.125%
HK$100,545
baseline
▲ 0.50% · 4.625%
HK$106,663
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,090/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,255
−HK$5,686/mo
▼ 0.25% · 3.875%
HK$108,078
−HK$2,863/mo
Today · 4.125%
HK$110,941
baseline
▲ 0.50% · 4.625%
HK$116,789
+HK$5,848/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,882/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,644
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,428
−HK$3,844/mo
Today · 4.125%
HK$129,272
baseline
▲ 0.50% · 4.625%
HK$137,138
+HK$7,866/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,544/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,328
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,957
−HK$3,682/mo
Today · 4.125%
HK$142,639
baseline
▲ 0.50% · 4.625%
HK$150,158
+HK$7,519/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,278/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,574 · Scale 2, in force from 26 Feb 2026)