LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,175
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,233
−HK$2,092/mo
Today · 4.125%
HK$70,325
baseline
▲ 0.50% · 4.625%
HK$74,604
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,650/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,619
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,003/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$81,687
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,410
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,880
−HK$2,510/mo
Today · 4.125%
HK$84,390
baseline
▲ 0.50% · 4.625%
HK$89,525
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,780/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,343
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,712
−HK$2,404/mo
Today · 4.125%
HK$93,116
baseline
▲ 0.50% · 4.625%
HK$98,024
+HK$4,908/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,232/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,645
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,527
−HK$2,928/mo
Today · 4.125%
HK$98,455
baseline
▲ 0.50% · 4.625%
HK$104,445
+HK$5,990/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$196,910/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,067
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,831
−HK$2,804/mo
Today · 4.125%
HK$108,635
baseline
▲ 0.50% · 4.625%
HK$114,361
+HK$5,726/mo
Deposit HK$8.71M · loan HK$20.31M · min. income ≈ HK$217,270/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,115
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,820
−HK$3,765/mo
Today · 4.125%
HK$126,585
baseline
▲ 0.50% · 4.625%
HK$134,287
+HK$7,702/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,170/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,514
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,068
−HK$3,606/mo
Today · 4.125%
HK$139,674
baseline
▲ 0.50% · 4.625%
HK$147,036
+HK$7,362/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,348/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,388 · Scale 2, in force from 26 Feb 2026)