LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,245
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,368
−HK$2,157/mo
Today · 4.125%
HK$72,525
baseline
▲ 0.50% · 4.625%
HK$76,938
+HK$4,413/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$145,050/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,922
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,958
−HK$2,066/mo
Today · 4.125%
HK$80,024
baseline
▲ 0.50% · 4.625%
HK$84,242
+HK$4,218/mo
Deposit HK$14.96M · loan HK$14.96M · min. income ≈ HK$160,048/mo (50% DSR)
Upfront cash ≈ HK$16.24M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$5,136/mo
▼ 0.25% · 3.875%
HK$84,441
−HK$2,589/mo
Today · 4.125%
HK$87,030
baseline
▲ 0.50% · 4.625%
HK$92,325
+HK$5,295/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$174,060/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,106
−HK$4,923/mo
▼ 0.25% · 3.875%
HK$93,550
−HK$2,479/mo
Today · 4.125%
HK$96,029
baseline
▲ 0.50% · 4.625%
HK$101,090
+HK$5,061/mo
Deposit HK$11.97M · loan HK$17.96M · min. income ≈ HK$192,058/mo (50% DSR)
Upfront cash ≈ HK$13.24M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,543
−HK$5,992/mo
▼ 0.25% · 3.875%
HK$98,515
−HK$3,020/mo
Today · 4.125%
HK$101,535
baseline
▲ 0.50% · 4.625%
HK$107,713
+HK$6,178/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$203,070/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,291
−HK$5,742/mo
▼ 0.25% · 3.875%
HK$109,141
−HK$2,892/mo
Today · 4.125%
HK$112,033
baseline
▲ 0.50% · 4.625%
HK$117,939
+HK$5,906/mo
Deposit HK$8.98M · loan HK$20.95M · min. income ≈ HK$224,066/mo (50% DSR)
Upfront cash ≈ HK$10.25M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,841
−HK$7,703/mo
▼ 0.25% · 3.875%
HK$126,662
−HK$3,882/mo
Today · 4.125%
HK$130,544
baseline
▲ 0.50% · 4.625%
HK$138,488
+HK$7,944/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$261,088/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,660
−HK$7,383/mo
▼ 0.25% · 3.875%
HK$140,325
−HK$3,718/mo
Today · 4.125%
HK$144,043
baseline
▲ 0.50% · 4.625%
HK$151,636
+HK$7,593/mo
Deposit HK$2.99M · loan HK$26.94M · min. income ≈ HK$288,086/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$1,271,970 · Scale 2, in force from 26 Feb 2026)