LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,274
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,336
−HK$2,094/mo
Today · 4.125%
HK$70,430
baseline
▲ 0.50% · 4.625%
HK$74,716
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,860/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,707
−HK$2,006/mo
Today · 4.125%
HK$77,713
baseline
▲ 0.50% · 4.625%
HK$81,809
+HK$4,096/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,426/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,529
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,003
−HK$2,513/mo
Today · 4.125%
HK$84,516
baseline
▲ 0.50% · 4.625%
HK$89,659
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,032/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,475
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,848
−HK$2,407/mo
Today · 4.125%
HK$93,255
baseline
▲ 0.50% · 4.625%
HK$98,171
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,510/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,784
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,670
−HK$2,932/mo
Today · 4.125%
HK$98,602
baseline
▲ 0.50% · 4.625%
HK$104,602
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,204/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,221
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,990
−HK$2,808/mo
Today · 4.125%
HK$108,798
baseline
▲ 0.50% · 4.625%
HK$114,533
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,596/mo (50% DSR)
Upfront cash ≈ HK$9.95M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,294
−HK$7,480/mo
▼ 0.25% · 3.875%
HK$123,004
−HK$3,770/mo
Today · 4.125%
HK$126,774
baseline
▲ 0.50% · 4.625%
HK$134,488
+HK$7,714/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,548/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,713
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,272
−HK$3,611/mo
Today · 4.125%
HK$139,883
baseline
▲ 0.50% · 4.625%
HK$147,256
+HK$7,373/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,766/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,237 · Scale 2, in force from 26 Feb 2026)