LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,219
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,279
−HK$2,093/mo
Today · 4.125%
HK$70,372
baseline
▲ 0.50% · 4.625%
HK$74,654
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,744/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,668
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$75,644
−HK$2,004/mo
Today · 4.125%
HK$77,648
baseline
▲ 0.50% · 4.625%
HK$81,741
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,296/mo (50% DSR)
Upfront cash ≈ HK$15.75M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,463
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,935
−HK$2,511/mo
Today · 4.125%
HK$84,446
baseline
▲ 0.50% · 4.625%
HK$89,584
+HK$5,138/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$168,892/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,402
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,773
−HK$2,405/mo
Today · 4.125%
HK$93,178
baseline
▲ 0.50% · 4.625%
HK$98,089
+HK$4,911/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$186,356/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,707
−HK$5,813/mo
▼ 0.25% · 3.875%
HK$95,590
−HK$2,930/mo
Today · 4.125%
HK$98,520
baseline
▲ 0.50% · 4.625%
HK$104,515
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,040/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,135
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,901
−HK$2,806/mo
Today · 4.125%
HK$108,707
baseline
▲ 0.50% · 4.625%
HK$114,438
+HK$5,731/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,414/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,194
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,902
−HK$3,767/mo
Today · 4.125%
HK$126,669
baseline
▲ 0.50% · 4.625%
HK$134,376
+HK$7,707/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,338/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,603
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,159
−HK$3,608/mo
Today · 4.125%
HK$139,767
baseline
▲ 0.50% · 4.625%
HK$147,134
+HK$7,367/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,534/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,209 · Scale 2, in force from 26 Feb 2026)