LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,045
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,100
−HK$2,087/mo
Today · 4.125%
HK$70,187
baseline
▲ 0.50% · 4.625%
HK$74,458
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,374/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,475
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,446
−HK$1,999/mo
Today · 4.125%
HK$77,445
baseline
▲ 0.50% · 4.625%
HK$81,527
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,890/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,255
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,720
−HK$2,505/mo
Today · 4.125%
HK$84,225
baseline
▲ 0.50% · 4.625%
HK$89,349
+HK$5,124/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,450/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,170
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$90,535
−HK$2,398/mo
Today · 4.125%
HK$92,933
baseline
▲ 0.50% · 4.625%
HK$97,832
+HK$4,899/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,866/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,464
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,340
−HK$2,922/mo
Today · 4.125%
HK$98,262
baseline
▲ 0.50% · 4.625%
HK$104,241
+HK$5,979/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$196,524/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,865
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,624
−HK$2,798/mo
Today · 4.125%
HK$108,422
baseline
▲ 0.50% · 4.625%
HK$114,138
+HK$5,716/mo
Deposit HK$8.69M · loan HK$20.27M · min. income ≈ HK$216,844/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,882
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,580
−HK$3,757/mo
Today · 4.125%
HK$126,337
baseline
▲ 0.50% · 4.625%
HK$134,024
+HK$7,687/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,674/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,255
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$135,802
−HK$3,598/mo
Today · 4.125%
HK$139,400
baseline
▲ 0.50% · 4.625%
HK$146,748
+HK$7,348/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,800/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,973 · Scale 2, in force from 26 Feb 2026)