LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,307
−HK$4,158/mo
▼ 0.25% · 3.875%
HK$68,369
−HK$2,096/mo
Today · 4.125%
HK$70,465
baseline
▲ 0.50% · 4.625%
HK$74,752
+HK$4,287/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,930/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,766
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,744
−HK$2,007/mo
Today · 4.125%
HK$77,751
baseline
▲ 0.50% · 4.625%
HK$81,849
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,502/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,568
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,043
−HK$2,515/mo
Today · 4.125%
HK$84,558
baseline
▲ 0.50% · 4.625%
HK$89,703
+HK$5,145/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,116/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,519
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$90,893
−HK$2,408/mo
Today · 4.125%
HK$93,301
baseline
▲ 0.50% · 4.625%
HK$98,219
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,602/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,829
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,717
−HK$2,934/mo
Today · 4.125%
HK$98,651
baseline
▲ 0.50% · 4.625%
HK$104,653
+HK$6,002/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,302/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,272
−HK$5,579/mo
▼ 0.25% · 3.875%
HK$106,041
−HK$2,810/mo
Today · 4.125%
HK$108,851
baseline
▲ 0.50% · 4.625%
HK$114,589
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,702/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,352
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,065
−HK$3,772/mo
Today · 4.125%
HK$126,837
baseline
▲ 0.50% · 4.625%
HK$134,554
+HK$7,717/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,674/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,778
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,339
−HK$3,613/mo
Today · 4.125%
HK$139,952
baseline
▲ 0.50% · 4.625%
HK$147,329
+HK$7,377/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,904/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,842 · Scale 2, in force from 26 Feb 2026)