LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,043
−HK$4,141/mo
▼ 0.25% · 3.875%
HK$68,097
−HK$2,087/mo
Today · 4.125%
HK$70,184
baseline
▲ 0.50% · 4.625%
HK$74,455
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,368/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,472
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,443
−HK$1,999/mo
Today · 4.125%
HK$77,442
baseline
▲ 0.50% · 4.625%
HK$81,524
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,884/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,251
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,717
−HK$2,504/mo
Today · 4.125%
HK$84,221
baseline
▲ 0.50% · 4.625%
HK$89,346
+HK$5,125/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,442/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,166
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,531
−HK$2,399/mo
Today · 4.125%
HK$92,930
baseline
▲ 0.50% · 4.625%
HK$97,828
+HK$4,898/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,860/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,460
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,336
−HK$2,922/mo
Today · 4.125%
HK$98,258
baseline
▲ 0.50% · 4.625%
HK$104,237
+HK$5,979/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,516/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,861
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,620
−HK$2,798/mo
Today · 4.125%
HK$108,418
baseline
▲ 0.50% · 4.625%
HK$114,133
+HK$5,715/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,836/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,877
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,575
−HK$3,757/mo
Today · 4.125%
HK$126,332
baseline
▲ 0.50% · 4.625%
HK$134,019
+HK$7,687/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,664/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,250
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,797
−HK$3,598/mo
Today · 4.125%
HK$139,395
baseline
▲ 0.50% · 4.625%
HK$146,742
+HK$7,347/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,790/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,924 · Scale 2, in force from 26 Feb 2026)