LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,870
−HK$4,130/mo
▼ 0.25% · 3.875%
HK$67,919
−HK$2,081/mo
Today · 4.125%
HK$70,000
baseline
▲ 0.50% · 4.625%
HK$74,260
+HK$4,260/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$140,000/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,279
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$75,245
−HK$1,993/mo
Today · 4.125%
HK$77,238
baseline
▲ 0.50% · 4.625%
HK$81,310
+HK$4,072/mo
Deposit HK$14.44M · loan HK$14.44M · min. income ≈ HK$154,476/mo (50% DSR)
Upfront cash ≈ HK$15.67M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,044
−HK$4,956/mo
▼ 0.25% · 3.875%
HK$81,502
−HK$2,498/mo
Today · 4.125%
HK$84,000
baseline
▲ 0.50% · 4.625%
HK$89,111
+HK$5,111/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$168,000/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,935
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$90,294
−HK$2,392/mo
Today · 4.125%
HK$92,686
baseline
▲ 0.50% · 4.625%
HK$97,572
+HK$4,886/mo
Deposit HK$11.55M · loan HK$17.33M · min. income ≈ HK$185,372/mo (50% DSR)
Upfront cash ≈ HK$12.78M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,217
−HK$5,783/mo
▼ 0.25% · 3.875%
HK$95,086
−HK$2,914/mo
Today · 4.125%
HK$98,000
baseline
▲ 0.50% · 4.625%
HK$103,963
+HK$5,963/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$196,000/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,591
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$105,342
−HK$2,792/mo
Today · 4.125%
HK$108,134
baseline
▲ 0.50% · 4.625%
HK$113,834
+HK$5,700/mo
Deposit HK$8.67M · loan HK$20.22M · min. income ≈ HK$216,268/mo (50% DSR)
Upfront cash ≈ HK$9.89M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,565
−HK$7,435/mo
▼ 0.25% · 3.875%
HK$122,253
−HK$3,747/mo
Today · 4.125%
HK$126,000
baseline
▲ 0.50% · 4.625%
HK$133,667
+HK$7,667/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$252,000/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,903
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$135,440
−HK$3,589/mo
Today · 4.125%
HK$139,029
baseline
▲ 0.50% · 4.625%
HK$146,357
+HK$7,328/mo
Deposit HK$2.89M · loan HK$26.00M · min. income ≈ HK$278,058/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,227,695 · Scale 2, in force from 26 Feb 2026)