LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,291
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,353
−HK$2,095/mo
Today · 4.125%
HK$70,448
baseline
▲ 0.50% · 4.625%
HK$74,734
+HK$4,286/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,896/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,748
−HK$3,984/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,006/mo
Today · 4.125%
HK$77,732
baseline
▲ 0.50% · 4.625%
HK$81,829
+HK$4,097/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,464/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,549
−HK$4,988/mo
▼ 0.25% · 3.875%
HK$82,023
−HK$2,514/mo
Today · 4.125%
HK$84,537
baseline
▲ 0.50% · 4.625%
HK$89,681
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$169,074/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,497
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,871
−HK$2,408/mo
Today · 4.125%
HK$93,279
baseline
▲ 0.50% · 4.625%
HK$98,195
+HK$4,916/mo
Deposit HK$11.63M · loan HK$17.44M · min. income ≈ HK$186,558/mo (50% DSR)
Upfront cash ≈ HK$12.86M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,807
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,694
−HK$2,933/mo
Today · 4.125%
HK$98,627
baseline
▲ 0.50% · 4.625%
HK$104,628
+HK$6,001/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,254/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,247
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$106,016
−HK$2,809/mo
Today · 4.125%
HK$108,825
baseline
▲ 0.50% · 4.625%
HK$114,561
+HK$5,736/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,650/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,323
−HK$7,483/mo
▼ 0.25% · 3.875%
HK$123,035
−HK$3,771/mo
Today · 4.125%
HK$126,806
baseline
▲ 0.50% · 4.625%
HK$134,522
+HK$7,716/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$253,612/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,746
−HK$7,172/mo
▼ 0.25% · 3.875%
HK$136,306
−HK$3,612/mo
Today · 4.125%
HK$139,918
baseline
▲ 0.50% · 4.625%
HK$147,293
+HK$7,375/mo
Deposit HK$2.91M · loan HK$26.16M · min. income ≈ HK$279,836/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,543 · Scale 2, in force from 26 Feb 2026)