LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,280
−HK$4,156/mo
▼ 0.25% · 3.875%
HK$68,341
−HK$2,095/mo
Today · 4.125%
HK$70,436
baseline
▲ 0.50% · 4.625%
HK$74,722
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,872/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,735
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,006/mo
Today · 4.125%
HK$77,719
baseline
▲ 0.50% · 4.625%
HK$81,816
+HK$4,097/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,438/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,536
−HK$4,987/mo
▼ 0.25% · 3.875%
HK$82,010
−HK$2,513/mo
Today · 4.125%
HK$84,523
baseline
▲ 0.50% · 4.625%
HK$89,666
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,046/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,483
−HK$4,780/mo
▼ 0.25% · 3.875%
HK$90,856
−HK$2,407/mo
Today · 4.125%
HK$93,263
baseline
▲ 0.50% · 4.625%
HK$98,179
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,526/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,792
−HK$5,818/mo
▼ 0.25% · 3.875%
HK$95,678
−HK$2,932/mo
Today · 4.125%
HK$98,610
baseline
▲ 0.50% · 4.625%
HK$104,611
+HK$6,001/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,220/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,230
−HK$5,577/mo
▼ 0.25% · 3.875%
HK$105,998
−HK$2,809/mo
Today · 4.125%
HK$108,807
baseline
▲ 0.50% · 4.625%
HK$114,542
+HK$5,735/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,614/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,303
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,014
−HK$3,771/mo
Today · 4.125%
HK$126,785
baseline
▲ 0.50% · 4.625%
HK$134,499
+HK$7,714/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,570/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,724
−HK$7,170/mo
▼ 0.25% · 3.875%
HK$136,283
−HK$3,611/mo
Today · 4.125%
HK$139,894
baseline
▲ 0.50% · 4.625%
HK$147,269
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,788/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,338 · Scale 2, in force from 26 Feb 2026)