LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,583
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,685
−HK$2,136/mo
Today · 4.125%
HK$71,821
baseline
▲ 0.50% · 4.625%
HK$76,191
+HK$4,370/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,642/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,185
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,201
−HK$2,046/mo
Today · 4.125%
HK$79,247
baseline
▲ 0.50% · 4.625%
HK$83,424
+HK$4,177/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,494/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,099
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,622
−HK$2,563/mo
Today · 4.125%
HK$86,185
baseline
▲ 0.50% · 4.625%
HK$91,429
+HK$5,244/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$172,370/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,222
−HK$4,874/mo
▼ 0.25% · 3.875%
HK$92,642
−HK$2,454/mo
Today · 4.125%
HK$95,096
baseline
▲ 0.50% · 4.625%
HK$100,109
+HK$5,013/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$190,192/mo (50% DSR)
Upfront cash ≈ HK$13.11M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,616
−HK$5,933/mo
▼ 0.25% · 3.875%
HK$97,559
−HK$2,990/mo
Today · 4.125%
HK$100,549
baseline
▲ 0.50% · 4.625%
HK$106,667
+HK$6,118/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,098/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,259
−HK$5,687/mo
▼ 0.25% · 3.875%
HK$108,082
−HK$2,864/mo
Today · 4.125%
HK$110,946
baseline
▲ 0.50% · 4.625%
HK$116,794
+HK$5,848/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,892/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,649
−HK$7,628/mo
▼ 0.25% · 3.875%
HK$125,433
−HK$3,844/mo
Today · 4.125%
HK$129,277
baseline
▲ 0.50% · 4.625%
HK$137,143
+HK$7,866/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$258,554/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,333
−HK$7,311/mo
▼ 0.25% · 3.875%
HK$138,962
−HK$3,682/mo
Today · 4.125%
HK$142,644
baseline
▲ 0.50% · 4.625%
HK$150,163
+HK$7,519/mo
Deposit HK$2.96M · loan HK$26.67M · min. income ≈ HK$285,288/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,621 · Scale 2, in force from 26 Feb 2026)