LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,096
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,152
−HK$2,089/mo
Today · 4.125%
HK$70,241
baseline
▲ 0.50% · 4.625%
HK$74,515
+HK$4,274/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,482/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,531
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,503
−HK$2,001/mo
Today · 4.125%
HK$77,504
baseline
▲ 0.50% · 4.625%
HK$81,589
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$155,008/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,315
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,782
−HK$2,507/mo
Today · 4.125%
HK$84,289
baseline
▲ 0.50% · 4.625%
HK$89,418
+HK$5,129/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,578/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,237
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$90,604
−HK$2,401/mo
Today · 4.125%
HK$93,005
baseline
▲ 0.50% · 4.625%
HK$97,907
+HK$4,902/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$186,010/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,534
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,413
−HK$2,924/mo
Today · 4.125%
HK$98,337
baseline
▲ 0.50% · 4.625%
HK$104,321
+HK$5,984/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,674/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,944
−HK$5,561/mo
▼ 0.25% · 3.875%
HK$105,704
−HK$2,801/mo
Today · 4.125%
HK$108,505
baseline
▲ 0.50% · 4.625%
HK$114,225
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,010/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,973
−HK$7,460/mo
▼ 0.25% · 3.875%
HK$122,674
−HK$3,759/mo
Today · 4.125%
HK$126,433
baseline
▲ 0.50% · 4.625%
HK$134,127
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,866/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,356
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,906
−HK$3,601/mo
Today · 4.125%
HK$139,507
baseline
▲ 0.50% · 4.625%
HK$146,860
+HK$7,353/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,014/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,915 · Scale 2, in force from 26 Feb 2026)