LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,207
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,266
−HK$2,092/mo
Today · 4.125%
HK$70,358
baseline
▲ 0.50% · 4.625%
HK$74,639
+HK$4,281/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,716/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,654
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$75,630
−HK$2,003/mo
Today · 4.125%
HK$77,633
baseline
▲ 0.50% · 4.625%
HK$81,726
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,266/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,448
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,919
−HK$2,511/mo
Today · 4.125%
HK$84,430
baseline
▲ 0.50% · 4.625%
HK$89,567
+HK$5,137/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,860/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,385
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,755
−HK$2,405/mo
Today · 4.125%
HK$93,160
baseline
▲ 0.50% · 4.625%
HK$98,071
+HK$4,911/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,320/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,689
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,572
−HK$2,930/mo
Today · 4.125%
HK$98,502
baseline
▲ 0.50% · 4.625%
HK$104,495
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$197,004/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,116
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,881
−HK$2,806/mo
Today · 4.125%
HK$108,687
baseline
▲ 0.50% · 4.625%
HK$114,416
+HK$5,729/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,374/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,172
−HK$7,473/mo
▼ 0.25% · 3.875%
HK$122,879
−HK$3,766/mo
Today · 4.125%
HK$126,645
baseline
▲ 0.50% · 4.625%
HK$134,351
+HK$7,706/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,290/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,577
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,133
−HK$3,607/mo
Today · 4.125%
HK$139,740
baseline
▲ 0.50% · 4.625%
HK$147,106
+HK$7,366/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,480/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,233,975 · Scale 2, in force from 26 Feb 2026)