LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,187
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,246
−HK$2,092/mo
Today · 4.125%
HK$70,338
baseline
▲ 0.50% · 4.625%
HK$74,618
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,676/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,633
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,607
−HK$2,004/mo
Today · 4.125%
HK$77,611
baseline
▲ 0.50% · 4.625%
HK$81,702
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,222/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,425
−HK$4,980/mo
▼ 0.25% · 3.875%
HK$81,895
−HK$2,510/mo
Today · 4.125%
HK$84,405
baseline
▲ 0.50% · 4.625%
HK$89,541
+HK$5,136/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,810/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,359
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,729
−HK$2,404/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$12.84M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,662
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,544
−HK$2,929/mo
Today · 4.125%
HK$98,473
baseline
▲ 0.50% · 4.625%
HK$104,465
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,946/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,086
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,850
−HK$2,805/mo
Today · 4.125%
HK$108,655
baseline
▲ 0.50% · 4.625%
HK$114,383
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,310/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,137
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,843
−HK$3,765/mo
Today · 4.125%
HK$126,608
baseline
▲ 0.50% · 4.625%
HK$134,312
+HK$7,704/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$253,216/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,539
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$136,093
−HK$3,606/mo
Today · 4.125%
HK$139,699
baseline
▲ 0.50% · 4.625%
HK$147,063
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.12M · min. income ≈ HK$279,398/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,616 · Scale 2, in force from 26 Feb 2026)