LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,065
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,120
−HK$2,088/mo
Today · 4.125%
HK$70,208
baseline
▲ 0.50% · 4.625%
HK$74,480
+HK$4,272/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,416/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,497
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,468
−HK$2,000/mo
Today · 4.125%
HK$77,468
baseline
▲ 0.50% · 4.625%
HK$81,551
+HK$4,083/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,936/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,278
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,744
−HK$2,506/mo
Today · 4.125%
HK$84,250
baseline
▲ 0.50% · 4.625%
HK$89,376
+HK$5,126/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$168,500/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,197
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,399/mo
Today · 4.125%
HK$92,961
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.38M · min. income ≈ HK$185,922/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,492
−HK$5,800/mo
▼ 0.25% · 3.875%
HK$95,369
−HK$2,923/mo
Today · 4.125%
HK$98,292
baseline
▲ 0.50% · 4.625%
HK$104,272
+HK$5,980/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,584/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,896
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$105,656
−HK$2,799/mo
Today · 4.125%
HK$108,455
baseline
▲ 0.50% · 4.625%
HK$114,172
+HK$5,717/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,910/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,918
−HK$7,457/mo
▼ 0.25% · 3.875%
HK$122,617
−HK$3,758/mo
Today · 4.125%
HK$126,375
baseline
▲ 0.50% · 4.625%
HK$134,065
+HK$7,690/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,750/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,295
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$135,843
−HK$3,599/mo
Today · 4.125%
HK$139,442
baseline
▲ 0.50% · 4.625%
HK$146,792
+HK$7,350/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,884/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,344 · Scale 2, in force from 26 Feb 2026)