LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,080
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,135
−HK$2,089/mo
Today · 4.125%
HK$70,224
baseline
▲ 0.50% · 4.625%
HK$74,497
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,448/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,513
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,485
−HK$2,000/mo
Today · 4.125%
HK$77,485
baseline
▲ 0.50% · 4.625%
HK$81,569
+HK$4,084/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,970/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,296
−HK$4,972/mo
▼ 0.25% · 3.875%
HK$81,762
−HK$2,506/mo
Today · 4.125%
HK$84,268
baseline
▲ 0.50% · 4.625%
HK$89,396
+HK$5,128/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,536/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,216
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$90,582
−HK$2,400/mo
Today · 4.125%
HK$92,982
baseline
▲ 0.50% · 4.625%
HK$97,883
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,964/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,512
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,389
−HK$2,924/mo
Today · 4.125%
HK$98,313
baseline
▲ 0.50% · 4.625%
HK$104,295
+HK$5,982/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$196,626/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,918
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,679
−HK$2,800/mo
Today · 4.125%
HK$108,479
baseline
▲ 0.50% · 4.625%
HK$114,197
+HK$5,718/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$216,958/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,944
−HK$7,459/mo
▼ 0.25% · 3.875%
HK$122,644
−HK$3,759/mo
Today · 4.125%
HK$126,403
baseline
▲ 0.50% · 4.625%
HK$134,094
+HK$7,691/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,806/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,324
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,873
−HK$3,600/mo
Today · 4.125%
HK$139,473
baseline
▲ 0.50% · 4.625%
HK$146,824
+HK$7,351/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,946/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,613 · Scale 2, in force from 26 Feb 2026)