LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,078
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,133
−HK$2,089/mo
Today · 4.125%
HK$70,222
baseline
▲ 0.50% · 4.625%
HK$74,494
+HK$4,272/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,444/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,511
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,483
−HK$2,000/mo
Today · 4.125%
HK$77,483
baseline
▲ 0.50% · 4.625%
HK$81,567
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,966/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,293
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,760
−HK$2,506/mo
Today · 4.125%
HK$84,266
baseline
▲ 0.50% · 4.625%
HK$89,393
+HK$5,127/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,532/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,213
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,579
−HK$2,400/mo
Today · 4.125%
HK$92,979
baseline
▲ 0.50% · 4.625%
HK$97,880
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,958/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,509
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,387
−HK$2,923/mo
Today · 4.125%
HK$98,310
baseline
▲ 0.50% · 4.625%
HK$104,292
+HK$5,982/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$196,620/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,915
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,676
−HK$2,800/mo
Today · 4.125%
HK$108,476
baseline
▲ 0.50% · 4.625%
HK$114,194
+HK$5,718/mo
Deposit HK$8.69M · loan HK$20.28M · min. income ≈ HK$216,952/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,940
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,640
−HK$3,759/mo
Today · 4.125%
HK$126,399
baseline
▲ 0.50% · 4.625%
HK$134,090
+HK$7,691/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,798/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,320
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,869
−HK$3,600/mo
Today · 4.125%
HK$139,469
baseline
▲ 0.50% · 4.625%
HK$146,820
+HK$7,351/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,938/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,577 · Scale 2, in force from 26 Feb 2026)