LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,279
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,340
−HK$2,095/mo
Today · 4.125%
HK$70,435
baseline
▲ 0.50% · 4.625%
HK$74,721
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,870/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$75,712
−HK$2,006/mo
Today · 4.125%
HK$77,718
baseline
▲ 0.50% · 4.625%
HK$81,815
+HK$4,097/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,436/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,535
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,009
−HK$2,513/mo
Today · 4.125%
HK$84,522
baseline
▲ 0.50% · 4.625%
HK$89,665
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,044/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,481
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,854
−HK$2,408/mo
Today · 4.125%
HK$93,262
baseline
▲ 0.50% · 4.625%
HK$98,178
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,524/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,790
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,677
−HK$2,932/mo
Today · 4.125%
HK$98,609
baseline
▲ 0.50% · 4.625%
HK$104,609
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,218/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,228
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,997
−HK$2,808/mo
Today · 4.125%
HK$108,805
baseline
▲ 0.50% · 4.625%
HK$114,541
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,610/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,302
−HK$7,481/mo
▼ 0.25% · 3.875%
HK$123,013
−HK$3,770/mo
Today · 4.125%
HK$126,783
baseline
▲ 0.50% · 4.625%
HK$134,498
+HK$7,715/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,566/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,722
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,282
−HK$3,611/mo
Today · 4.125%
HK$139,893
baseline
▲ 0.50% · 4.625%
HK$147,267
+HK$7,374/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,786/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,322 · Scale 2, in force from 26 Feb 2026)