LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,286
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,348
−HK$2,095/mo
Today · 4.125%
HK$70,443
baseline
▲ 0.50% · 4.625%
HK$74,729
+HK$4,286/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$140,886/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,742
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,720
−HK$2,006/mo
Today · 4.125%
HK$77,726
baseline
▲ 0.50% · 4.625%
HK$81,824
+HK$4,098/mo
Deposit HK$14.53M · loan HK$14.53M · min. income ≈ HK$155,452/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,543
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,017
−HK$2,514/mo
Today · 4.125%
HK$84,531
baseline
▲ 0.50% · 4.625%
HK$89,675
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,062/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,491
−HK$4,781/mo
▼ 0.25% · 3.875%
HK$90,864
−HK$2,408/mo
Today · 4.125%
HK$93,272
baseline
▲ 0.50% · 4.625%
HK$98,188
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,544/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,800
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,687
−HK$2,933/mo
Today · 4.125%
HK$98,620
baseline
▲ 0.50% · 4.625%
HK$104,620
+HK$6,000/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,240/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,239
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,008
−HK$2,809/mo
Today · 4.125%
HK$108,817
baseline
▲ 0.50% · 4.625%
HK$114,553
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,634/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,315
−HK$7,482/mo
▼ 0.25% · 3.875%
HK$123,026
−HK$3,771/mo
Today · 4.125%
HK$126,797
baseline
▲ 0.50% · 4.625%
HK$134,512
+HK$7,715/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,594/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,736
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,296
−HK$3,612/mo
Today · 4.125%
HK$139,908
baseline
▲ 0.50% · 4.625%
HK$147,282
+HK$7,374/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,816/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,453 · Scale 2, in force from 26 Feb 2026)