LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,263
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,324
−HK$2,094/mo
Today · 4.125%
HK$70,418
baseline
▲ 0.50% · 4.625%
HK$74,703
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,836/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,717
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,694
−HK$2,006/mo
Today · 4.125%
HK$77,700
baseline
▲ 0.50% · 4.625%
HK$81,795
+HK$4,095/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,400/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,516
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,989
−HK$2,513/mo
Today · 4.125%
HK$84,502
baseline
▲ 0.50% · 4.625%
HK$89,644
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$169,004/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,460
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,833
−HK$2,406/mo
Today · 4.125%
HK$93,239
baseline
▲ 0.50% · 4.625%
HK$98,154
+HK$4,915/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$186,478/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,768
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,654
−HK$2,932/mo
Today · 4.125%
HK$98,586
baseline
▲ 0.50% · 4.625%
HK$104,584
+HK$5,998/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,172/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,204
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$105,972
−HK$2,807/mo
Today · 4.125%
HK$108,779
baseline
▲ 0.50% · 4.625%
HK$114,513
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,558/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,273
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,983
−HK$3,770/mo
Today · 4.125%
HK$126,753
baseline
▲ 0.50% · 4.625%
HK$134,465
+HK$7,712/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,506/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,690
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,249
−HK$3,610/mo
Today · 4.125%
HK$139,859
baseline
▲ 0.50% · 4.625%
HK$147,231
+HK$7,372/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,718/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,026 · Scale 2, in force from 26 Feb 2026)