LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,217
−HK$4,152/mo
▼ 0.25% · 3.875%
HK$68,276
−HK$2,093/mo
Today · 4.125%
HK$70,369
baseline
▲ 0.50% · 4.625%
HK$74,651
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,738/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,665
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,641
−HK$2,004/mo
Today · 4.125%
HK$77,645
baseline
▲ 0.50% · 4.625%
HK$81,738
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,290/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,460
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,931
−HK$2,512/mo
Today · 4.125%
HK$84,443
baseline
▲ 0.50% · 4.625%
HK$89,581
+HK$5,138/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$168,886/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,398
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,769
−HK$2,405/mo
Today · 4.125%
HK$93,174
baseline
▲ 0.50% · 4.625%
HK$98,085
+HK$4,911/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$186,348/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,703
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,587
−HK$2,929/mo
Today · 4.125%
HK$98,516
baseline
▲ 0.50% · 4.625%
HK$104,511
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,032/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,131
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,897
−HK$2,806/mo
Today · 4.125%
HK$108,703
baseline
▲ 0.50% · 4.625%
HK$114,433
+HK$5,730/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,406/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,190
−HK$7,474/mo
▼ 0.25% · 3.875%
HK$122,897
−HK$3,767/mo
Today · 4.125%
HK$126,664
baseline
▲ 0.50% · 4.625%
HK$134,371
+HK$7,707/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,328/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,597
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,154
−HK$3,607/mo
Today · 4.125%
HK$139,761
baseline
▲ 0.50% · 4.625%
HK$147,128
+HK$7,367/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,522/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,161 · Scale 2, in force from 26 Feb 2026)