LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,087
−HK$4,144/mo
▼ 0.25% · 3.875%
HK$68,143
−HK$2,088/mo
Today · 4.125%
HK$70,231
baseline
▲ 0.50% · 4.625%
HK$74,504
+HK$4,273/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,462/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,521
−HK$3,972/mo
▼ 0.25% · 3.875%
HK$75,493
−HK$2,000/mo
Today · 4.125%
HK$77,493
baseline
▲ 0.50% · 4.625%
HK$81,578
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$154,986/mo (50% DSR)
Upfront cash ≈ HK$15.72M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,304
−HK$4,973/mo
▼ 0.25% · 3.875%
HK$81,771
−HK$2,506/mo
Today · 4.125%
HK$84,277
baseline
▲ 0.50% · 4.625%
HK$89,405
+HK$5,128/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,554/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,225
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,591
−HK$2,401/mo
Today · 4.125%
HK$92,992
baseline
▲ 0.50% · 4.625%
HK$97,893
+HK$4,901/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$185,984/mo (50% DSR)
Upfront cash ≈ HK$12.82M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,522
−HK$5,801/mo
▼ 0.25% · 3.875%
HK$95,400
−HK$2,923/mo
Today · 4.125%
HK$98,323
baseline
▲ 0.50% · 4.625%
HK$104,306
+HK$5,983/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$196,646/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,929
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,690
−HK$2,800/mo
Today · 4.125%
HK$108,490
baseline
▲ 0.50% · 4.625%
HK$114,209
+HK$5,719/mo
Deposit HK$8.69M · loan HK$20.29M · min. income ≈ HK$216,980/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,956
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,657
−HK$3,759/mo
Today · 4.125%
HK$126,416
baseline
▲ 0.50% · 4.625%
HK$134,108
+HK$7,692/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$252,832/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,338
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$135,887
−HK$3,600/mo
Today · 4.125%
HK$139,487
baseline
▲ 0.50% · 4.625%
HK$146,840
+HK$7,353/mo
Deposit HK$2.90M · loan HK$26.08M · min. income ≈ HK$278,974/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,744 · Scale 2, in force from 26 Feb 2026)