LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,047
−HK$4,142/mo
▼ 0.25% · 3.875%
HK$68,102
−HK$2,087/mo
Today · 4.125%
HK$70,189
baseline
▲ 0.50% · 4.625%
HK$74,460
+HK$4,271/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$140,378/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,477
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,447
−HK$2,000/mo
Today · 4.125%
HK$77,447
baseline
▲ 0.50% · 4.625%
HK$81,529
+HK$4,082/mo
Deposit HK$14.48M · loan HK$14.48M · min. income ≈ HK$154,894/mo (50% DSR)
Upfront cash ≈ HK$15.71M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,257
−HK$4,970/mo
▼ 0.25% · 3.875%
HK$81,722
−HK$2,505/mo
Today · 4.125%
HK$84,227
baseline
▲ 0.50% · 4.625%
HK$89,352
+HK$5,125/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,454/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,172
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,537
−HK$2,399/mo
Today · 4.125%
HK$92,936
baseline
▲ 0.50% · 4.625%
HK$97,835
+HK$4,899/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,872/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,466
−HK$5,799/mo
▼ 0.25% · 3.875%
HK$95,342
−HK$2,923/mo
Today · 4.125%
HK$98,265
baseline
▲ 0.50% · 4.625%
HK$104,244
+HK$5,979/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,530/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,868
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$105,626
−HK$2,799/mo
Today · 4.125%
HK$108,425
baseline
▲ 0.50% · 4.625%
HK$114,140
+HK$5,715/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,850/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,885
−HK$7,455/mo
▼ 0.25% · 3.875%
HK$122,583
−HK$3,757/mo
Today · 4.125%
HK$126,340
baseline
▲ 0.50% · 4.625%
HK$134,028
+HK$7,688/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,680/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,258
−HK$7,146/mo
▼ 0.25% · 3.875%
HK$135,805
−HK$3,599/mo
Today · 4.125%
HK$139,404
baseline
▲ 0.50% · 4.625%
HK$146,752
+HK$7,348/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,808/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,005 · Scale 2, in force from 26 Feb 2026)