LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,588
−HK$4,238/mo
▼ 0.25% · 3.875%
HK$69,690
−HK$2,136/mo
Today · 4.125%
HK$71,826
baseline
▲ 0.50% · 4.625%
HK$76,197
+HK$4,371/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$143,652/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,191
−HK$4,062/mo
▼ 0.25% · 3.875%
HK$77,208
−HK$2,045/mo
Today · 4.125%
HK$79,253
baseline
▲ 0.50% · 4.625%
HK$83,431
+HK$4,178/mo
Deposit HK$14.82M · loan HK$14.82M · min. income ≈ HK$158,506/mo (50% DSR)
Upfront cash ≈ HK$16.08M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,106
−HK$5,086/mo
▼ 0.25% · 3.875%
HK$83,628
−HK$2,564/mo
Today · 4.125%
HK$86,192
baseline
▲ 0.50% · 4.625%
HK$91,436
+HK$5,244/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$172,384/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,229
−HK$4,875/mo
▼ 0.25% · 3.875%
HK$92,649
−HK$2,455/mo
Today · 4.125%
HK$95,104
baseline
▲ 0.50% · 4.625%
HK$100,117
+HK$5,013/mo
Deposit HK$11.86M · loan HK$17.78M · min. income ≈ HK$190,208/mo (50% DSR)
Upfront cash ≈ HK$13.12M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,623
−HK$5,934/mo
▼ 0.25% · 3.875%
HK$97,567
−HK$2,990/mo
Today · 4.125%
HK$100,557
baseline
▲ 0.50% · 4.625%
HK$106,676
+HK$6,119/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$201,114/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,267
−HK$5,688/mo
▼ 0.25% · 3.875%
HK$108,091
−HK$2,864/mo
Today · 4.125%
HK$110,955
baseline
▲ 0.50% · 4.625%
HK$116,803
+HK$5,848/mo
Deposit HK$8.89M · loan HK$20.75M · min. income ≈ HK$221,910/mo (50% DSR)
Upfront cash ≈ HK$10.15M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,658
−HK$7,630/mo
▼ 0.25% · 3.875%
HK$125,443
−HK$3,845/mo
Today · 4.125%
HK$129,288
baseline
▲ 0.50% · 4.625%
HK$137,154
+HK$7,866/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$258,576/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,344
−HK$7,312/mo
▼ 0.25% · 3.875%
HK$138,974
−HK$3,682/mo
Today · 4.125%
HK$142,656
baseline
▲ 0.50% · 4.625%
HK$150,176
+HK$7,520/mo
Deposit HK$2.96M · loan HK$26.68M · min. income ≈ HK$285,312/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$1,259,723 · Scale 2, in force from 26 Feb 2026)