LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,222
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,282
−HK$2,093/mo
Today · 4.125%
HK$70,375
baseline
▲ 0.50% · 4.625%
HK$74,657
+HK$4,282/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,750/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,671
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,647
−HK$2,005/mo
Today · 4.125%
HK$77,652
baseline
▲ 0.50% · 4.625%
HK$81,745
+HK$4,093/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,304/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,467
−HK$4,983/mo
▼ 0.25% · 3.875%
HK$81,938
−HK$2,512/mo
Today · 4.125%
HK$84,450
baseline
▲ 0.50% · 4.625%
HK$89,588
+HK$5,138/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$168,900/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,406
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$90,777
−HK$2,405/mo
Today · 4.125%
HK$93,182
baseline
▲ 0.50% · 4.625%
HK$98,094
+HK$4,912/mo
Deposit HK$11.62M · loan HK$17.42M · min. income ≈ HK$186,364/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,711
−HK$5,814/mo
▼ 0.25% · 3.875%
HK$95,595
−HK$2,930/mo
Today · 4.125%
HK$98,525
baseline
▲ 0.50% · 4.625%
HK$104,520
+HK$5,995/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,050/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,140
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$105,906
−HK$2,806/mo
Today · 4.125%
HK$108,712
baseline
▲ 0.50% · 4.625%
HK$114,443
+HK$5,731/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,424/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,200
−HK$7,475/mo
▼ 0.25% · 3.875%
HK$122,908
−HK$3,767/mo
Today · 4.125%
HK$126,675
baseline
▲ 0.50% · 4.625%
HK$134,383
+HK$7,708/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,350/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,609
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$136,165
−HK$3,608/mo
Today · 4.125%
HK$139,773
baseline
▲ 0.50% · 4.625%
HK$147,141
+HK$7,368/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,546/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,265 · Scale 2, in force from 26 Feb 2026)