LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,780
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,826
−HK$2,079/mo
Today · 4.125%
HK$69,905
baseline
▲ 0.50% · 4.625%
HK$74,158
+HK$4,253/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$139,810/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,179
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,142
−HK$1,991/mo
Today · 4.125%
HK$77,133
baseline
▲ 0.50% · 4.625%
HK$81,199
+HK$4,066/mo
Deposit HK$14.42M · loan HK$14.42M · min. income ≈ HK$154,266/mo (50% DSR)
Upfront cash ≈ HK$15.65M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$78,936
−HK$4,950/mo
▼ 0.25% · 3.875%
HK$81,391
−HK$2,495/mo
Today · 4.125%
HK$83,886
baseline
▲ 0.50% · 4.625%
HK$88,990
+HK$5,104/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$167,772/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,815
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$90,170
−HK$2,390/mo
Today · 4.125%
HK$92,560
baseline
▲ 0.50% · 4.625%
HK$97,439
+HK$4,879/mo
Deposit HK$11.54M · loan HK$17.31M · min. income ≈ HK$185,120/mo (50% DSR)
Upfront cash ≈ HK$12.77M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,092
−HK$5,775/mo
▼ 0.25% · 3.875%
HK$94,956
−HK$2,911/mo
Today · 4.125%
HK$97,867
baseline
▲ 0.50% · 4.625%
HK$103,822
+HK$5,955/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$195,734/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,451
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$105,199
−HK$2,787/mo
Today · 4.125%
HK$107,986
baseline
▲ 0.50% · 4.625%
HK$113,678
+HK$5,692/mo
Deposit HK$8.65M · loan HK$20.19M · min. income ≈ HK$215,972/mo (50% DSR)
Upfront cash ≈ HK$9.88M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,404
−HK$7,425/mo
▼ 0.25% · 3.875%
HK$122,087
−HK$3,742/mo
Today · 4.125%
HK$125,829
baseline
▲ 0.50% · 4.625%
HK$133,485
+HK$7,656/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$251,658/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,723
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$135,256
−HK$3,583/mo
Today · 4.125%
HK$138,839
baseline
▲ 0.50% · 4.625%
HK$146,158
+HK$7,319/mo
Deposit HK$2.88M · loan HK$25.96M · min. income ≈ HK$277,678/mo (50% DSR)
Upfront cash ≈ HK$4.11M (deposit + AVD stamp duty HK$1,226,020 · Scale 2, in force from 26 Feb 2026)