LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,194
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,253
−HK$2,092/mo
Today · 4.125%
HK$70,345
baseline
▲ 0.50% · 4.625%
HK$74,626
+HK$4,281/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$140,690/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,640
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,615
−HK$2,004/mo
Today · 4.125%
HK$77,619
baseline
▲ 0.50% · 4.625%
HK$81,710
+HK$4,091/mo
Deposit HK$14.51M · loan HK$14.51M · min. income ≈ HK$155,238/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,433
−HK$4,981/mo
▼ 0.25% · 3.875%
HK$81,904
−HK$2,510/mo
Today · 4.125%
HK$84,414
baseline
▲ 0.50% · 4.625%
HK$89,551
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,828/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,368
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,738
−HK$2,405/mo
Today · 4.125%
HK$93,143
baseline
▲ 0.50% · 4.625%
HK$98,052
+HK$4,909/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,286/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,672
−HK$5,811/mo
▼ 0.25% · 3.875%
HK$95,555
−HK$2,928/mo
Today · 4.125%
HK$98,483
baseline
▲ 0.50% · 4.625%
HK$104,476
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$196,966/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,097
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$105,862
−HK$2,805/mo
Today · 4.125%
HK$108,667
baseline
▲ 0.50% · 4.625%
HK$114,394
+HK$5,727/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,334/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,150
−HK$7,471/mo
▼ 0.25% · 3.875%
HK$122,856
−HK$3,765/mo
Today · 4.125%
HK$126,621
baseline
▲ 0.50% · 4.625%
HK$134,326
+HK$7,705/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,242/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,553
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$136,108
−HK$3,606/mo
Today · 4.125%
HK$139,714
baseline
▲ 0.50% · 4.625%
HK$147,079
+HK$7,365/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,428/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,745 · Scale 2, in force from 26 Feb 2026)