LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,072
−HK$4,143/mo
▼ 0.25% · 3.875%
HK$68,127
−HK$2,088/mo
Today · 4.125%
HK$70,215
baseline
▲ 0.50% · 4.625%
HK$74,488
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,430/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,505
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$75,476
−HK$2,000/mo
Today · 4.125%
HK$77,476
baseline
▲ 0.50% · 4.625%
HK$81,560
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,952/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,286
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,753
−HK$2,505/mo
Today · 4.125%
HK$84,258
baseline
▲ 0.50% · 4.625%
HK$89,385
+HK$5,127/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,516/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,205
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,571
−HK$2,400/mo
Today · 4.125%
HK$92,971
baseline
▲ 0.50% · 4.625%
HK$97,872
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,942/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,501
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,378
−HK$2,924/mo
Today · 4.125%
HK$98,302
baseline
▲ 0.50% · 4.625%
HK$104,283
+HK$5,981/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,604/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,906
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,666
−HK$2,800/mo
Today · 4.125%
HK$108,466
baseline
▲ 0.50% · 4.625%
HK$114,183
+HK$5,717/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,932/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,930
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$122,629
−HK$3,759/mo
Today · 4.125%
HK$126,388
baseline
▲ 0.50% · 4.625%
HK$134,078
+HK$7,690/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,776/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,308
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$135,857
−HK$3,599/mo
Today · 4.125%
HK$139,456
baseline
▲ 0.50% · 4.625%
HK$146,807
+HK$7,351/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,912/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,469 · Scale 2, in force from 26 Feb 2026)