LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,209
−HK$4,151/mo
▼ 0.25% · 3.875%
HK$68,268
−HK$2,092/mo
Today · 4.125%
HK$70,360
baseline
▲ 0.50% · 4.625%
HK$74,642
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,720/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,656
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,632
−HK$2,004/mo
Today · 4.125%
HK$77,636
baseline
▲ 0.50% · 4.625%
HK$81,728
+HK$4,092/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,272/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,450
−HK$4,982/mo
▼ 0.25% · 3.875%
HK$81,922
−HK$2,510/mo
Today · 4.125%
HK$84,432
baseline
▲ 0.50% · 4.625%
HK$89,570
+HK$5,138/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$168,864/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,388
−HK$4,775/mo
▼ 0.25% · 3.875%
HK$90,758
−HK$2,405/mo
Today · 4.125%
HK$93,163
baseline
▲ 0.50% · 4.625%
HK$98,074
+HK$4,911/mo
Deposit HK$11.61M · loan HK$17.42M · min. income ≈ HK$186,326/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,692
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,575
−HK$2,930/mo
Today · 4.125%
HK$98,505
baseline
▲ 0.50% · 4.625%
HK$104,498
+HK$5,993/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$197,010/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,119
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$105,884
−HK$2,806/mo
Today · 4.125%
HK$108,690
baseline
▲ 0.50% · 4.625%
HK$114,419
+HK$5,729/mo
Deposit HK$8.71M · loan HK$20.32M · min. income ≈ HK$217,380/mo (50% DSR)
Upfront cash ≈ HK$9.94M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,175
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,882
−HK$3,767/mo
Today · 4.125%
HK$126,649
baseline
▲ 0.50% · 4.625%
HK$134,355
+HK$7,706/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$253,298/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,581
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$136,137
−HK$3,607/mo
Today · 4.125%
HK$139,744
baseline
▲ 0.50% · 4.625%
HK$147,110
+HK$7,366/mo
Deposit HK$2.90M · loan HK$26.13M · min. income ≈ HK$279,488/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,012 · Scale 2, in force from 26 Feb 2026)