LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,060
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,115
−HK$2,088/mo
Today · 4.125%
HK$70,203
baseline
▲ 0.50% · 4.625%
HK$74,474
+HK$4,271/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,406/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,491
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,462
−HK$2,000/mo
Today · 4.125%
HK$77,462
baseline
▲ 0.50% · 4.625%
HK$81,545
+HK$4,083/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,924/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,272
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,738
−HK$2,505/mo
Today · 4.125%
HK$84,243
baseline
▲ 0.50% · 4.625%
HK$89,369
+HK$5,126/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,486/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,190
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,555
−HK$2,399/mo
Today · 4.125%
HK$92,954
baseline
▲ 0.50% · 4.625%
HK$97,854
+HK$4,900/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,908/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,484
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,361
−HK$2,923/mo
Today · 4.125%
HK$98,284
baseline
▲ 0.50% · 4.625%
HK$104,264
+HK$5,980/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,568/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,888
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,647
−HK$2,800/mo
Today · 4.125%
HK$108,447
baseline
▲ 0.50% · 4.625%
HK$114,163
+HK$5,716/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,894/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,908
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,607
−HK$3,758/mo
Today · 4.125%
HK$126,365
baseline
▲ 0.50% · 4.625%
HK$134,054
+HK$7,689/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,730/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,284
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,832
−HK$3,599/mo
Today · 4.125%
HK$139,431
baseline
▲ 0.50% · 4.625%
HK$146,781
+HK$7,350/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,862/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,248 · Scale 2, in force from 26 Feb 2026)