LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,150
−HK$4,148/mo
▼ 0.25% · 3.875%
HK$68,208
−HK$2,090/mo
Today · 4.125%
HK$70,298
baseline
▲ 0.50% · 4.625%
HK$74,576
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,596/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,592
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$75,565
−HK$2,002/mo
Today · 4.125%
HK$77,567
baseline
▲ 0.50% · 4.625%
HK$81,656
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,134/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,380
−HK$4,978/mo
▼ 0.25% · 3.875%
HK$81,850
−HK$2,508/mo
Today · 4.125%
HK$84,358
baseline
▲ 0.50% · 4.625%
HK$89,491
+HK$5,133/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$168,716/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,310
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$90,678
−HK$2,403/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$97,987
+HK$4,906/mo
Deposit HK$11.60M · loan HK$17.41M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,610
−HK$5,808/mo
▼ 0.25% · 3.875%
HK$95,491
−HK$2,927/mo
Today · 4.125%
HK$98,418
baseline
▲ 0.50% · 4.625%
HK$104,406
+HK$5,988/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$196,836/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,028
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$105,791
−HK$2,803/mo
Today · 4.125%
HK$108,594
baseline
▲ 0.50% · 4.625%
HK$114,319
+HK$5,725/mo
Deposit HK$8.70M · loan HK$20.31M · min. income ≈ HK$217,188/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,070
−HK$7,467/mo
▼ 0.25% · 3.875%
HK$122,774
−HK$3,763/mo
Today · 4.125%
HK$126,537
baseline
▲ 0.50% · 4.625%
HK$134,237
+HK$7,700/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$253,074/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,465
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$136,017
−HK$3,604/mo
Today · 4.125%
HK$139,621
baseline
▲ 0.50% · 4.625%
HK$146,981
+HK$7,360/mo
Deposit HK$2.90M · loan HK$26.11M · min. income ≈ HK$279,242/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,232,926 · Scale 2, in force from 26 Feb 2026)