LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,284
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,346
−HK$2,095/mo
Today · 4.125%
HK$70,441
baseline
▲ 0.50% · 4.625%
HK$74,727
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,882/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,740
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,718
−HK$2,006/mo
Today · 4.125%
HK$77,724
baseline
▲ 0.50% · 4.625%
HK$81,821
+HK$4,097/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,448/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,541
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,015
−HK$2,514/mo
Today · 4.125%
HK$84,529
baseline
▲ 0.50% · 4.625%
HK$89,672
+HK$5,143/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,058/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,488
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,862
−HK$2,407/mo
Today · 4.125%
HK$93,269
baseline
▲ 0.50% · 4.625%
HK$98,186
+HK$4,917/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,538/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,798
−HK$5,819/mo
▼ 0.25% · 3.875%
HK$95,684
−HK$2,933/mo
Today · 4.125%
HK$98,617
baseline
▲ 0.50% · 4.625%
HK$104,617
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,234/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,236
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,005
−HK$2,809/mo
Today · 4.125%
HK$108,814
baseline
▲ 0.50% · 4.625%
HK$114,550
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,628/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,311
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,023
−HK$3,770/mo
Today · 4.125%
HK$126,793
baseline
▲ 0.50% · 4.625%
HK$134,508
+HK$7,715/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,586/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,733
−HK$7,171/mo
▼ 0.25% · 3.875%
HK$136,292
−HK$3,612/mo
Today · 4.125%
HK$139,904
baseline
▲ 0.50% · 4.625%
HK$147,278
+HK$7,374/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,808/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,419 · Scale 2, in force from 26 Feb 2026)