LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,075
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,131
−HK$2,088/mo
Today · 4.125%
HK$70,219
baseline
▲ 0.50% · 4.625%
HK$74,492
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,438/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,508
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,480
−HK$2,000/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$81,564
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,291
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,757
−HK$2,506/mo
Today · 4.125%
HK$84,263
baseline
▲ 0.50% · 4.625%
HK$89,390
+HK$5,127/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,526/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,210
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,576
−HK$2,400/mo
Today · 4.125%
HK$92,976
baseline
▲ 0.50% · 4.625%
HK$97,877
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,952/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,506
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,383
−HK$2,924/mo
Today · 4.125%
HK$98,307
baseline
▲ 0.50% · 4.625%
HK$104,288
+HK$5,981/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,614/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,912
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$105,672
−HK$2,800/mo
Today · 4.125%
HK$108,472
baseline
▲ 0.50% · 4.625%
HK$114,189
+HK$5,717/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,944/mo (50% DSR)
Upfront cash ≈ HK$9.92M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,936
−HK$7,458/mo
▼ 0.25% · 3.875%
HK$122,635
−HK$3,759/mo
Today · 4.125%
HK$126,394
baseline
▲ 0.50% · 4.625%
HK$134,085
+HK$7,691/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,788/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,315
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$135,864
−HK$3,599/mo
Today · 4.125%
HK$139,463
baseline
▲ 0.50% · 4.625%
HK$146,815
+HK$7,352/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,926/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,532 · Scale 2, in force from 26 Feb 2026)