LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,703
−HK$4,246/mo
▼ 0.25% · 3.875%
HK$69,809
−HK$2,140/mo
Today · 4.125%
HK$71,949
baseline
▲ 0.50% · 4.625%
HK$76,327
+HK$4,378/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$143,898/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,319
−HK$4,069/mo
▼ 0.25% · 3.875%
HK$77,339
−HK$2,049/mo
Today · 4.125%
HK$79,388
baseline
▲ 0.50% · 4.625%
HK$83,573
+HK$4,185/mo
Deposit HK$14.85M · loan HK$14.85M · min. income ≈ HK$158,776/mo (50% DSR)
Upfront cash ≈ HK$16.11M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,244
−HK$5,094/mo
▼ 0.25% · 3.875%
HK$83,771
−HK$2,567/mo
Today · 4.125%
HK$86,338
baseline
▲ 0.50% · 4.625%
HK$91,592
+HK$5,254/mo
Deposit HK$11.88M · loan HK$17.81M · min. income ≈ HK$172,676/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,383
−HK$4,883/mo
▼ 0.25% · 3.875%
HK$92,807
−HK$2,459/mo
Today · 4.125%
HK$95,266
baseline
▲ 0.50% · 4.625%
HK$100,287
+HK$5,021/mo
Deposit HK$11.88M · loan HK$17.81M · min. income ≈ HK$190,532/mo (50% DSR)
Upfront cash ≈ HK$13.14M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$94,784
−HK$5,944/mo
▼ 0.25% · 3.875%
HK$97,733
−HK$2,995/mo
Today · 4.125%
HK$100,728
baseline
▲ 0.50% · 4.625%
HK$106,857
+HK$6,129/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$201,456/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,447
−HK$5,697/mo
▼ 0.25% · 3.875%
HK$108,275
−HK$2,869/mo
Today · 4.125%
HK$111,144
baseline
▲ 0.50% · 4.625%
HK$117,002
+HK$5,858/mo
Deposit HK$8.91M · loan HK$20.78M · min. income ≈ HK$222,288/mo (50% DSR)
Upfront cash ≈ HK$10.17M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,866
−HK$7,642/mo
▼ 0.25% · 3.875%
HK$125,656
−HK$3,852/mo
Today · 4.125%
HK$129,508
baseline
▲ 0.50% · 4.625%
HK$137,388
+HK$7,880/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$259,016/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,574
−HK$7,325/mo
▼ 0.25% · 3.875%
HK$139,210
−HK$3,689/mo
Today · 4.125%
HK$142,899
baseline
▲ 0.50% · 4.625%
HK$150,431
+HK$7,532/mo
Deposit HK$2.97M · loan HK$26.72M · min. income ≈ HK$285,798/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$1,261,867 · Scale 2, in force from 26 Feb 2026)