LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,193
−HK$4,150/mo
▼ 0.25% · 3.875%
HK$68,252
−HK$2,091/mo
Today · 4.125%
HK$70,343
baseline
▲ 0.50% · 4.625%
HK$74,624
+HK$4,281/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$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,639
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$75,614
−HK$2,003/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$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,431
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,902
−HK$2,510/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$1,233,714 · 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$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,670
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,552
−HK$2,929/mo
Today · 4.125%
HK$98,481
baseline
▲ 0.50% · 4.625%
HK$104,473
+HK$5,992/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,962/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,094
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,859
−HK$2,805/mo
Today · 4.125%
HK$108,664
baseline
▲ 0.50% · 4.625%
HK$114,392
+HK$5,728/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,328/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,147
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,853
−HK$3,765/mo
Today · 4.125%
HK$126,618
baseline
▲ 0.50% · 4.625%
HK$134,323
+HK$7,705/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$1,233,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,549
−HK$7,162/mo
▼ 0.25% · 3.875%
HK$136,104
−HK$3,607/mo
Today · 4.125%
HK$139,711
baseline
▲ 0.50% · 4.625%
HK$147,075
+HK$7,364/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,422/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,714 · Scale 2, in force from 26 Feb 2026)