LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,731
−HK$4,122/mo
▼ 0.25% · 3.875%
HK$67,775
−HK$2,078/mo
Today · 4.125%
HK$69,853
baseline
▲ 0.50% · 4.625%
HK$74,103
+HK$4,250/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$139,706/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$3,951/mo
▼ 0.25% · 3.875%
HK$75,086
−HK$1,990/mo
Today · 4.125%
HK$77,076
baseline
▲ 0.50% · 4.625%
HK$81,138
+HK$4,062/mo
Deposit HK$14.41M · loan HK$14.41M · min. income ≈ HK$154,152/mo (50% DSR)
Upfront cash ≈ HK$15.64M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,877
−HK$4,946/mo
▼ 0.25% · 3.875%
HK$81,330
−HK$2,493/mo
Today · 4.125%
HK$83,823
baseline
▲ 0.50% · 4.625%
HK$88,924
+HK$5,101/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$167,646/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,750
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$90,103
−HK$2,388/mo
Today · 4.125%
HK$92,491
baseline
▲ 0.50% · 4.625%
HK$97,366
+HK$4,875/mo
Deposit HK$11.53M · loan HK$17.30M · min. income ≈ HK$184,982/mo (50% DSR)
Upfront cash ≈ HK$12.76M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,023
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,886
−HK$2,908/mo
Today · 4.125%
HK$97,794
baseline
▲ 0.50% · 4.625%
HK$103,744
+HK$5,950/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$195,588/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,375
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$105,120
−HK$2,786/mo
Today · 4.125%
HK$107,906
baseline
▲ 0.50% · 4.625%
HK$113,594
+HK$5,688/mo
Deposit HK$8.65M · loan HK$20.18M · min. income ≈ HK$215,812/mo (50% DSR)
Upfront cash ≈ HK$9.87M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,315
−HK$7,420/mo
▼ 0.25% · 3.875%
HK$121,996
−HK$3,739/mo
Today · 4.125%
HK$125,735
baseline
▲ 0.50% · 4.625%
HK$133,385
+HK$7,650/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$251,470/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,625
−HK$7,111/mo
▼ 0.25% · 3.875%
HK$135,155
−HK$3,581/mo
Today · 4.125%
HK$138,736
baseline
▲ 0.50% · 4.625%
HK$146,049
+HK$7,313/mo
Deposit HK$2.88M · loan HK$25.94M · min. income ≈ HK$277,472/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,225,107 · Scale 2, in force from 26 Feb 2026)