LTV · monthly repayment
▼ 0.50% · 3.625%
HK$65,994
−HK$4,139/mo
▼ 0.25% · 3.875%
HK$68,047
−HK$2,086/mo
Today · 4.125%
HK$70,133
baseline
▲ 0.50% · 4.625%
HK$74,400
+HK$4,267/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$140,266/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,418
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$75,387
−HK$1,997/mo
Today · 4.125%
HK$77,384
baseline
▲ 0.50% · 4.625%
HK$81,464
+HK$4,080/mo
Deposit HK$14.47M · loan HK$14.47M · min. income ≈ HK$154,768/mo (50% DSR)
Upfront cash ≈ HK$15.70M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,193
−HK$4,966/mo
▼ 0.25% · 3.875%
HK$81,656
−HK$2,503/mo
Today · 4.125%
HK$84,159
baseline
▲ 0.50% · 4.625%
HK$89,280
+HK$5,121/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$168,318/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,102
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$90,464
−HK$2,397/mo
Today · 4.125%
HK$92,861
baseline
▲ 0.50% · 4.625%
HK$97,756
+HK$4,895/mo
Deposit HK$11.58M · loan HK$17.36M · min. income ≈ HK$185,722/mo (50% DSR)
Upfront cash ≈ HK$12.81M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,392
−HK$5,794/mo
▼ 0.25% · 3.875%
HK$95,266
−HK$2,920/mo
Today · 4.125%
HK$98,186
baseline
▲ 0.50% · 4.625%
HK$104,160
+HK$5,974/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$196,372/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,785
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$105,542
−HK$2,796/mo
Today · 4.125%
HK$108,338
baseline
▲ 0.50% · 4.625%
HK$114,049
+HK$5,711/mo
Deposit HK$8.68M · loan HK$20.26M · min. income ≈ HK$216,676/mo (50% DSR)
Upfront cash ≈ HK$9.91M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,790
−HK$7,449/mo
▼ 0.25% · 3.875%
HK$122,485
−HK$3,754/mo
Today · 4.125%
HK$126,239
baseline
▲ 0.50% · 4.625%
HK$133,920
+HK$7,681/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$252,478/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,152
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$135,697
−HK$3,595/mo
Today · 4.125%
HK$139,292
baseline
▲ 0.50% · 4.625%
HK$146,634
+HK$7,342/mo
Deposit HK$2.89M · loan HK$26.05M · min. income ≈ HK$278,584/mo (50% DSR)
Upfront cash ≈ HK$4.12M (deposit + AVD stamp duty HK$1,230,018 · Scale 2, in force from 26 Feb 2026)