LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,046
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,101
−HK$2,087/mo
Today · 4.125%
HK$70,188
baseline
▲ 0.50% · 4.625%
HK$74,459
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,376/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,476
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$75,446
−HK$1,999/mo
Today · 4.125%
HK$77,445
baseline
▲ 0.50% · 4.625%
HK$81,528
+HK$4,083/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$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,255
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,721
−HK$2,504/mo
Today · 4.125%
HK$84,225
baseline
▲ 0.50% · 4.625%
HK$89,350
+HK$5,125/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$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,171
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,536
−HK$2,399/mo
Today · 4.125%
HK$92,935
baseline
▲ 0.50% · 4.625%
HK$97,833
+HK$4,898/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,870/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,465
−HK$5,798/mo
▼ 0.25% · 3.875%
HK$95,341
−HK$2,922/mo
Today · 4.125%
HK$98,263
baseline
▲ 0.50% · 4.625%
HK$104,242
+HK$5,979/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,526/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,866
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,625
−HK$2,799/mo
Today · 4.125%
HK$108,424
baseline
▲ 0.50% · 4.625%
HK$114,139
+HK$5,715/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,848/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,883
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,581
−HK$3,757/mo
Today · 4.125%
HK$126,338
baseline
▲ 0.50% · 4.625%
HK$134,026
+HK$7,688/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,676/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,256
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,803
−HK$3,599/mo
Today · 4.125%
HK$139,402
baseline
▲ 0.50% · 4.625%
HK$146,750
+HK$7,348/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,804/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,230,987 · Scale 2, in force from 26 Feb 2026)