LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,167
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,226
−HK$2,091/mo
Today · 4.125%
HK$70,317
baseline
▲ 0.50% · 4.625%
HK$74,595
+HK$4,278/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,634/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,611
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,585
−HK$2,003/mo
Today · 4.125%
HK$77,588
baseline
▲ 0.50% · 4.625%
HK$81,677
+HK$4,089/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,176/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,401
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,871
−HK$2,509/mo
Today · 4.125%
HK$84,380
baseline
▲ 0.50% · 4.625%
HK$89,514
+HK$5,134/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,760/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,333
−HK$4,772/mo
▼ 0.25% · 3.875%
HK$90,702
−HK$2,403/mo
Today · 4.125%
HK$93,105
baseline
▲ 0.50% · 4.625%
HK$98,013
+HK$4,908/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,210/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,634
−HK$5,809/mo
▼ 0.25% · 3.875%
HK$95,516
−HK$2,927/mo
Today · 4.125%
HK$98,443
baseline
▲ 0.50% · 4.625%
HK$104,433
+HK$5,990/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$196,886/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,055
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,819
−HK$2,804/mo
Today · 4.125%
HK$108,623
baseline
▲ 0.50% · 4.625%
HK$114,348
+HK$5,725/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$217,246/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,101
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,806
−HK$3,764/mo
Today · 4.125%
HK$126,570
baseline
▲ 0.50% · 4.625%
HK$134,272
+HK$7,702/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,140/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,499
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,053
−HK$3,605/mo
Today · 4.125%
HK$139,658
baseline
▲ 0.50% · 4.625%
HK$147,019
+HK$7,361/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,316/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$1,233,246 · Scale 2, in force from 26 Feb 2026)