LTV · monthly repayment
▼ 0.50% · 3.625%
HK$67,874
−HK$4,257/mo
▼ 0.25% · 3.875%
HK$69,986
−HK$2,145/mo
Today · 4.125%
HK$72,131
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$4,389/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$144,262/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,510
−HK$4,079/mo
▼ 0.25% · 3.875%
HK$77,535
−HK$2,054/mo
Today · 4.125%
HK$79,589
baseline
▲ 0.50% · 4.625%
HK$83,784
+HK$4,195/mo
Deposit HK$14.88M · loan HK$14.88M · min. income ≈ HK$159,178/mo (50% DSR)
Upfront cash ≈ HK$16.15M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,449
−HK$5,108/mo
▼ 0.25% · 3.875%
HK$83,983
−HK$2,574/mo
Today · 4.125%
HK$86,557
baseline
▲ 0.50% · 4.625%
HK$91,824
+HK$5,267/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$173,114/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$90,611
−HK$4,896/mo
▼ 0.25% · 3.875%
HK$93,042
−HK$2,465/mo
Today · 4.125%
HK$95,507
baseline
▲ 0.50% · 4.625%
HK$100,541
+HK$5,034/mo
Deposit HK$11.91M · loan HK$17.86M · min. income ≈ HK$191,014/mo (50% DSR)
Upfront cash ≈ HK$13.17M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,024
−HK$5,959/mo
▼ 0.25% · 3.875%
HK$97,980
−HK$3,003/mo
Today · 4.125%
HK$100,983
baseline
▲ 0.50% · 4.625%
HK$107,128
+HK$6,145/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$201,966/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$105,713
−HK$5,712/mo
▼ 0.25% · 3.875%
HK$108,549
−HK$2,876/mo
Today · 4.125%
HK$111,425
baseline
▲ 0.50% · 4.625%
HK$117,298
+HK$5,873/mo
Deposit HK$8.93M · loan HK$20.84M · min. income ≈ HK$222,850/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,174
−HK$7,661/mo
▼ 0.25% · 3.875%
HK$125,974
−HK$3,861/mo
Today · 4.125%
HK$129,835
baseline
▲ 0.50% · 4.625%
HK$137,735
+HK$7,900/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$259,670/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$135,917
−HK$7,343/mo
▼ 0.25% · 3.875%
HK$139,562
−HK$3,698/mo
Today · 4.125%
HK$143,260
baseline
▲ 0.50% · 4.625%
HK$150,812
+HK$7,552/mo
Deposit HK$2.98M · loan HK$26.79M · min. income ≈ HK$286,520/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$1,265,061 · Scale 2, in force from 26 Feb 2026)