LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,172
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,231
−HK$2,091/mo
Today · 4.125%
HK$70,322
baseline
▲ 0.50% · 4.625%
HK$74,601
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,644/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,616
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,590
−HK$2,003/mo
Today · 4.125%
HK$77,593
baseline
▲ 0.50% · 4.625%
HK$81,683
+HK$4,090/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,186/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,407
−HK$4,979/mo
▼ 0.25% · 3.875%
HK$81,877
−HK$2,509/mo
Today · 4.125%
HK$84,386
baseline
▲ 0.50% · 4.625%
HK$89,521
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,772/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,339
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,708
−HK$2,404/mo
Today · 4.125%
HK$93,112
baseline
▲ 0.50% · 4.625%
HK$98,020
+HK$4,908/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,224/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,641
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,523
−HK$2,928/mo
Today · 4.125%
HK$98,451
baseline
▲ 0.50% · 4.625%
HK$104,441
+HK$5,990/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$196,902/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,062
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,826
−HK$2,804/mo
Today · 4.125%
HK$108,630
baseline
▲ 0.50% · 4.625%
HK$114,357
+HK$5,727/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$217,260/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,110
−HK$7,469/mo
▼ 0.25% · 3.875%
HK$122,815
−HK$3,764/mo
Today · 4.125%
HK$126,579
baseline
▲ 0.50% · 4.625%
HK$134,281
+HK$7,702/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,158/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,509
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,063
−HK$3,605/mo
Today · 4.125%
HK$139,668
baseline
▲ 0.50% · 4.625%
HK$147,030
+HK$7,362/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,336/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,335 · Scale 2, in force from 26 Feb 2026)