LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,312
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,375
−HK$2,096/mo
Today · 4.125%
HK$70,471
baseline
▲ 0.50% · 4.625%
HK$74,759
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,942/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,772
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,750
−HK$2,008/mo
Today · 4.125%
HK$77,758
baseline
▲ 0.50% · 4.625%
HK$81,856
+HK$4,098/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,516/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,575
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,050
−HK$2,515/mo
Today · 4.125%
HK$84,565
baseline
▲ 0.50% · 4.625%
HK$89,711
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,130/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,526
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,900
−HK$2,409/mo
Today · 4.125%
HK$93,309
baseline
▲ 0.50% · 4.625%
HK$98,228
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,618/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,837
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,725
−HK$2,934/mo
Today · 4.125%
HK$98,659
baseline
▲ 0.50% · 4.625%
HK$104,662
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,318/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,281
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,051
−HK$2,810/mo
Today · 4.125%
HK$108,861
baseline
▲ 0.50% · 4.625%
HK$114,599
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,722/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,362
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,075
−HK$3,772/mo
Today · 4.125%
HK$126,847
baseline
▲ 0.50% · 4.625%
HK$134,566
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,694/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,789
−HK$7,175/mo
▼ 0.25% · 3.875%
HK$136,351
−HK$3,613/mo
Today · 4.125%
HK$139,964
baseline
▲ 0.50% · 4.625%
HK$147,341
+HK$7,377/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,928/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,948 · Scale 2, in force from 26 Feb 2026)