LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,218
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,278
−HK$2,093/mo
Today · 4.125%
HK$70,371
baseline
▲ 0.50% · 4.625%
HK$74,653
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,742/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,667
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,643
−HK$2,004/mo
Today · 4.125%
HK$77,647
baseline
▲ 0.50% · 4.625%
HK$81,740
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,294/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,462
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,934
−HK$2,511/mo
Today · 4.125%
HK$84,445
baseline
▲ 0.50% · 4.625%
HK$89,583
+HK$5,138/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$168,890/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,401
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,772
−HK$2,405/mo
Today · 4.125%
HK$93,177
baseline
▲ 0.50% · 4.625%
HK$98,088
+HK$4,911/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$186,354/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,706
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,589
−HK$2,930/mo
Today · 4.125%
HK$98,519
baseline
▲ 0.50% · 4.625%
HK$104,514
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,038/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,134
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,900
−HK$2,806/mo
Today · 4.125%
HK$108,706
baseline
▲ 0.50% · 4.625%
HK$114,436
+HK$5,730/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,412/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,193
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,901
−HK$3,767/mo
Today · 4.125%
HK$126,668
baseline
▲ 0.50% · 4.625%
HK$134,375
+HK$7,707/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,336/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,601
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,157
−HK$3,608/mo
Today · 4.125%
HK$139,765
baseline
▲ 0.50% · 4.625%
HK$147,132
+HK$7,367/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,530/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,196 · Scale 2, in force from 26 Feb 2026)