LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,300
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,362
−HK$2,095/mo
Today · 4.125%
HK$70,457
baseline
▲ 0.50% · 4.625%
HK$74,744
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,914/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,758
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,736
−HK$2,007/mo
Today · 4.125%
HK$77,743
baseline
▲ 0.50% · 4.625%
HK$81,841
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,486/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,560
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,034
−HK$2,515/mo
Today · 4.125%
HK$84,549
baseline
▲ 0.50% · 4.625%
HK$89,693
+HK$5,144/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,098/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,509
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,883
−HK$2,408/mo
Today · 4.125%
HK$93,291
baseline
▲ 0.50% · 4.625%
HK$98,209
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,582/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,820
−HK$5,820/mo
▼ 0.25% · 3.875%
HK$95,707
−HK$2,933/mo
Today · 4.125%
HK$98,640
baseline
▲ 0.50% · 4.625%
HK$104,642
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,280/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,261
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,030
−HK$2,810/mo
Today · 4.125%
HK$108,840
baseline
▲ 0.50% · 4.625%
HK$114,577
+HK$5,737/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,680/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,339
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,052
−HK$3,771/mo
Today · 4.125%
HK$126,823
baseline
▲ 0.50% · 4.625%
HK$134,540
+HK$7,717/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,646/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,764
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$136,325
−HK$3,612/mo
Today · 4.125%
HK$139,937
baseline
▲ 0.50% · 4.625%
HK$147,313
+HK$7,376/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,874/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,711 · Scale 2, in force from 26 Feb 2026)