LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,186
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,244
−HK$2,092/mo
Today · 4.125%
HK$70,336
baseline
▲ 0.50% · 4.625%
HK$74,616
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,672/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,631
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,606
−HK$2,003/mo
Today · 4.125%
HK$77,609
baseline
▲ 0.50% · 4.625%
HK$81,700
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,218/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,423
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,893
−HK$2,510/mo
Today · 4.125%
HK$84,403
baseline
▲ 0.50% · 4.625%
HK$89,539
+HK$5,136/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,806/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,357
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,727
−HK$2,404/mo
Today · 4.125%
HK$93,131
baseline
▲ 0.50% · 4.625%
HK$98,040
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,262/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,660
−HK$5,810/mo
▼ 0.25% · 3.875%
HK$95,542
−HK$2,928/mo
Today · 4.125%
HK$98,470
baseline
▲ 0.50% · 4.625%
HK$104,462
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,940/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,083
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,848
−HK$2,804/mo
Today · 4.125%
HK$108,652
baseline
▲ 0.50% · 4.625%
HK$114,380
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,304/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,134
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,840
−HK$3,765/mo
Today · 4.125%
HK$126,605
baseline
▲ 0.50% · 4.625%
HK$134,309
+HK$7,704/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,210/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,536
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,090
−HK$3,606/mo
Today · 4.125%
HK$139,696
baseline
▲ 0.50% · 4.625%
HK$147,060
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,392/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,585 · Scale 2, in force from 26 Feb 2026)