LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,302
−HK$4,157/mo
▼ 0.25% · 3.875%
HK$68,364
−HK$2,095/mo
Today · 4.125%
HK$70,459
baseline
▲ 0.50% · 4.625%
HK$74,747
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,918/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,760
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,738
−HK$2,007/mo
Today · 4.125%
HK$77,745
baseline
▲ 0.50% · 4.625%
HK$81,843
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,490/mo (50% DSR)
Upfront cash ≈ HK$15.77M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,562
−HK$4,989/mo
▼ 0.25% · 3.875%
HK$82,037
−HK$2,514/mo
Today · 4.125%
HK$84,551
baseline
▲ 0.50% · 4.625%
HK$89,696
+HK$5,145/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,102/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,512
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,886
−HK$2,408/mo
Today · 4.125%
HK$93,294
baseline
▲ 0.50% · 4.625%
HK$98,212
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,588/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,822
−HK$5,821/mo
▼ 0.25% · 3.875%
HK$95,710
−HK$2,933/mo
Today · 4.125%
HK$98,643
baseline
▲ 0.50% · 4.625%
HK$104,645
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$197,286/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,264
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,033
−HK$2,810/mo
Today · 4.125%
HK$108,843
baseline
▲ 0.50% · 4.625%
HK$114,580
+HK$5,737/mo
Deposit HK$8.72M · loan HK$20.35M · min. income ≈ HK$217,686/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,343
−HK$7,484/mo
▼ 0.25% · 3.875%
HK$123,055
−HK$3,772/mo
Today · 4.125%
HK$126,827
baseline
▲ 0.50% · 4.625%
HK$134,544
+HK$7,717/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,654/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,768
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$136,329
−HK$3,612/mo
Today · 4.125%
HK$139,941
baseline
▲ 0.50% · 4.625%
HK$147,317
+HK$7,376/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,882/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,747 · Scale 2, in force from 26 Feb 2026)