LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,178
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,237
−HK$2,091/mo
Today · 4.125%
HK$70,328
baseline
▲ 0.50% · 4.625%
HK$74,607
+HK$4,279/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,656/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$75,597
−HK$2,003/mo
Today · 4.125%
HK$77,600
baseline
▲ 0.50% · 4.625%
HK$81,691
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,200/mo (50% DSR)
Upfront cash ≈ HK$15.74M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,414
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,884
−HK$2,510/mo
Today · 4.125%
HK$84,394
baseline
▲ 0.50% · 4.625%
HK$89,529
+HK$5,135/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$168,788/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,347
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$90,716
−HK$2,404/mo
Today · 4.125%
HK$93,120
baseline
▲ 0.50% · 4.625%
HK$98,029
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.41M · min. income ≈ HK$186,240/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,649
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,531
−HK$2,928/mo
Today · 4.125%
HK$98,459
baseline
▲ 0.50% · 4.625%
HK$104,450
+HK$5,991/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,918/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,072
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$105,836
−HK$2,804/mo
Today · 4.125%
HK$108,640
baseline
▲ 0.50% · 4.625%
HK$114,367
+HK$5,727/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,280/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,121
−HK$7,470/mo
▼ 0.25% · 3.875%
HK$122,826
−HK$3,765/mo
Today · 4.125%
HK$126,591
baseline
▲ 0.50% · 4.625%
HK$134,293
+HK$7,702/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,182/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,521
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$136,075
−HK$3,605/mo
Today · 4.125%
HK$139,680
baseline
▲ 0.50% · 4.625%
HK$147,043
+HK$7,363/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,360/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,446 · Scale 2, in force from 26 Feb 2026)