LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,192
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,251
−HK$2,092/mo
Today · 4.125%
HK$70,343
baseline
▲ 0.50% · 4.625%
HK$74,623
+HK$4,280/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,686/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,638
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,613
−HK$2,004/mo
Today · 4.125%
HK$77,617
baseline
▲ 0.50% · 4.625%
HK$81,708
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,234/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,431
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,901
−HK$2,511/mo
Today · 4.125%
HK$84,412
baseline
▲ 0.50% · 4.625%
HK$89,548
+HK$5,136/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,824/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,366
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$90,736
−HK$2,404/mo
Today · 4.125%
HK$93,140
baseline
▲ 0.50% · 4.625%
HK$98,050
+HK$4,910/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,280/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,669
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,928/mo
Today · 4.125%
HK$98,480
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,960/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$5,569/mo
▼ 0.25% · 3.875%
HK$105,858
−HK$2,805/mo
Today · 4.125%
HK$108,663
baseline
▲ 0.50% · 4.625%
HK$114,391
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,326/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,146
−HK$7,472/mo
▼ 0.25% · 3.875%
HK$122,852
−HK$3,766/mo
Today · 4.125%
HK$126,618
baseline
▲ 0.50% · 4.625%
HK$134,322
+HK$7,704/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,236/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,549
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,104
−HK$3,606/mo
Today · 4.125%
HK$139,710
baseline
▲ 0.50% · 4.625%
HK$147,074
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,420/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,709 · Scale 2, in force from 26 Feb 2026)