LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,264
−HK$4,155/mo
▼ 0.25% · 3.875%
HK$68,325
−HK$2,094/mo
Today · 4.125%
HK$70,419
baseline
▲ 0.50% · 4.625%
HK$74,704
+HK$4,285/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,838/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,718
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,695
−HK$2,006/mo
Today · 4.125%
HK$77,701
baseline
▲ 0.50% · 4.625%
HK$81,796
+HK$4,095/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,402/mo (50% DSR)
Upfront cash ≈ HK$15.76M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,517
−HK$4,986/mo
▼ 0.25% · 3.875%
HK$81,990
−HK$2,513/mo
Today · 4.125%
HK$84,503
baseline
▲ 0.50% · 4.625%
HK$89,645
+HK$5,142/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$169,006/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,462
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$90,834
−HK$2,407/mo
Today · 4.125%
HK$93,241
baseline
▲ 0.50% · 4.625%
HK$98,156
+HK$4,915/mo
Deposit HK$11.62M · loan HK$17.44M · min. income ≈ HK$186,482/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,770
−HK$5,817/mo
▼ 0.25% · 3.875%
HK$95,655
−HK$2,932/mo
Today · 4.125%
HK$98,587
baseline
▲ 0.50% · 4.625%
HK$104,586
+HK$5,999/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$197,174/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,205
−HK$5,576/mo
▼ 0.25% · 3.875%
HK$105,973
−HK$2,808/mo
Today · 4.125%
HK$108,781
baseline
▲ 0.50% · 4.625%
HK$114,515
+HK$5,734/mo
Deposit HK$8.72M · loan HK$20.34M · min. income ≈ HK$217,562/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,275
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$122,985
−HK$3,770/mo
Today · 4.125%
HK$126,755
baseline
▲ 0.50% · 4.625%
HK$134,467
+HK$7,712/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$253,510/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,692
−HK$7,169/mo
▼ 0.25% · 3.875%
HK$136,251
−HK$3,610/mo
Today · 4.125%
HK$139,861
baseline
▲ 0.50% · 4.625%
HK$147,234
+HK$7,373/mo
Deposit HK$2.91M · loan HK$26.15M · min. income ≈ HK$279,722/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,045 · Scale 2, in force from 26 Feb 2026)