LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,061
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,116
−HK$2,088/mo
Today · 4.125%
HK$70,204
baseline
▲ 0.50% · 4.625%
HK$74,476
+HK$4,272/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,408/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,493
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$75,464
−HK$1,999/mo
Today · 4.125%
HK$77,463
baseline
▲ 0.50% · 4.625%
HK$81,546
+HK$4,083/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,926/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,274
−HK$4,971/mo
▼ 0.25% · 3.875%
HK$81,739
−HK$2,506/mo
Today · 4.125%
HK$84,245
baseline
▲ 0.50% · 4.625%
HK$89,371
+HK$5,126/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,490/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,191
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$90,556
−HK$2,400/mo
Today · 4.125%
HK$92,956
baseline
▲ 0.50% · 4.625%
HK$97,856
+HK$4,900/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,912/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,486
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,363
−HK$2,923/mo
Today · 4.125%
HK$98,286
baseline
▲ 0.50% · 4.625%
HK$104,266
+HK$5,980/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,572/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,890
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$105,649
−HK$2,799/mo
Today · 4.125%
HK$108,448
baseline
▲ 0.50% · 4.625%
HK$114,165
+HK$5,717/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,896/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,910
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,609
−HK$3,758/mo
Today · 4.125%
HK$126,367
baseline
▲ 0.50% · 4.625%
HK$134,056
+HK$7,689/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$252,734/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,287
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,835
−HK$3,599/mo
Today · 4.125%
HK$139,434
baseline
▲ 0.50% · 4.625%
HK$146,783
+HK$7,349/mo
Deposit HK$2.90M · loan HK$26.07M · min. income ≈ HK$278,868/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,269 · Scale 2, in force from 26 Feb 2026)