LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,098
−HK$4,145/mo
▼ 0.25% · 3.875%
HK$68,155
−HK$2,088/mo
Today · 4.125%
HK$70,243
baseline
▲ 0.50% · 4.625%
HK$74,518
+HK$4,275/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$140,486/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,534
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$75,506
−HK$2,001/mo
Today · 4.125%
HK$77,507
baseline
▲ 0.50% · 4.625%
HK$81,592
+HK$4,085/mo
Deposit HK$14.49M · loan HK$14.49M · min. income ≈ HK$155,014/mo (50% DSR)
Upfront cash ≈ HK$15.73M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,318
−HK$4,974/mo
▼ 0.25% · 3.875%
HK$81,785
−HK$2,507/mo
Today · 4.125%
HK$84,292
baseline
▲ 0.50% · 4.625%
HK$89,421
+HK$5,129/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$168,584/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,241
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$90,607
−HK$2,401/mo
Today · 4.125%
HK$93,008
baseline
▲ 0.50% · 4.625%
HK$97,911
+HK$4,903/mo
Deposit HK$11.59M · loan HK$17.39M · min. income ≈ HK$186,016/mo (50% DSR)
Upfront cash ≈ HK$12.83M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,538
−HK$5,803/mo
▼ 0.25% · 3.875%
HK$95,416
−HK$2,925/mo
Today · 4.125%
HK$98,341
baseline
▲ 0.50% · 4.625%
HK$104,325
+HK$5,984/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$196,682/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,947
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$105,708
−HK$2,801/mo
Today · 4.125%
HK$108,509
baseline
▲ 0.50% · 4.625%
HK$114,229
+HK$5,720/mo
Deposit HK$8.70M · loan HK$20.29M · min. income ≈ HK$217,018/mo (50% DSR)
Upfront cash ≈ HK$9.93M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,977
−HK$7,461/mo
▼ 0.25% · 3.875%
HK$122,678
−HK$3,760/mo
Today · 4.125%
HK$126,438
baseline
▲ 0.50% · 4.625%
HK$134,132
+HK$7,694/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$252,876/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,361
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$135,911
−HK$3,601/mo
Today · 4.125%
HK$139,512
baseline
▲ 0.50% · 4.625%
HK$146,866
+HK$7,354/mo
Deposit HK$2.90M · loan HK$26.09M · min. income ≈ HK$279,024/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,231,961 · Scale 2, in force from 26 Feb 2026)