LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,234
−HK$4,153/mo
▼ 0.25% · 3.875%
HK$68,294
−HK$2,093/mo
Today · 4.125%
HK$70,387
baseline
▲ 0.50% · 4.625%
HK$74,670
+HK$4,283/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$140,774/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,684
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$75,660
−HK$2,005/mo
Today · 4.125%
HK$77,665
baseline
▲ 0.50% · 4.625%
HK$81,759
+HK$4,094/mo
Deposit HK$14.52M · loan HK$14.52M · min. income ≈ HK$155,330/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,480
−HK$4,985/mo
▼ 0.25% · 3.875%
HK$81,953
−HK$2,512/mo
Today · 4.125%
HK$84,465
baseline
▲ 0.50% · 4.625%
HK$89,604
+HK$5,139/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$168,930/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,421
−HK$4,777/mo
▼ 0.25% · 3.875%
HK$90,793
−HK$2,405/mo
Today · 4.125%
HK$93,198
baseline
▲ 0.50% · 4.625%
HK$98,111
+HK$4,913/mo
Deposit HK$11.62M · loan HK$17.43M · min. income ≈ HK$186,396/mo (50% DSR)
Upfront cash ≈ HK$12.85M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,727
−HK$5,815/mo
▼ 0.25% · 3.875%
HK$95,611
−HK$2,931/mo
Today · 4.125%
HK$98,542
baseline
▲ 0.50% · 4.625%
HK$104,538
+HK$5,996/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$197,084/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,158
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$105,925
−HK$2,806/mo
Today · 4.125%
HK$108,731
baseline
▲ 0.50% · 4.625%
HK$114,463
+HK$5,732/mo
Deposit HK$8.71M · loan HK$20.33M · min. income ≈ HK$217,462/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,221
−HK$7,476/mo
▼ 0.25% · 3.875%
HK$122,929
−HK$3,768/mo
Today · 4.125%
HK$126,697
baseline
▲ 0.50% · 4.625%
HK$134,406
+HK$7,709/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$253,394/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,632
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$136,189
−HK$3,608/mo
Today · 4.125%
HK$139,797
baseline
▲ 0.50% · 4.625%
HK$147,166
+HK$7,369/mo
Deposit HK$2.90M · loan HK$26.14M · min. income ≈ HK$279,594/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,234,480 · Scale 2, in force from 26 Feb 2026)