LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,313
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,376
−HK$2,096/mo
Today · 4.125%
HK$70,472
baseline
▲ 0.50% · 4.625%
HK$74,760
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,944/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,773
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$75,751
−HK$2,007/mo
Today · 4.125%
HK$77,758
baseline
▲ 0.50% · 4.625%
HK$81,857
+HK$4,099/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$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,576
−HK$4,990/mo
▼ 0.25% · 3.875%
HK$82,051
−HK$2,515/mo
Today · 4.125%
HK$84,566
baseline
▲ 0.50% · 4.625%
HK$89,711
+HK$5,145/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,132/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,527
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,901
−HK$2,409/mo
Today · 4.125%
HK$93,310
baseline
▲ 0.50% · 4.625%
HK$98,229
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,620/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,838
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,726
−HK$2,934/mo
Today · 4.125%
HK$98,660
baseline
▲ 0.50% · 4.625%
HK$104,663
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,320/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,282
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$106,052
−HK$2,810/mo
Today · 4.125%
HK$108,862
baseline
▲ 0.50% · 4.625%
HK$114,600
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,724/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,364
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,076
−HK$3,773/mo
Today · 4.125%
HK$126,849
baseline
▲ 0.50% · 4.625%
HK$134,567
+HK$7,718/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,698/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,791
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,352
−HK$3,613/mo
Today · 4.125%
HK$139,965
baseline
▲ 0.50% · 4.625%
HK$147,343
+HK$7,378/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,930/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,235,961 · Scale 2, in force from 26 Feb 2026)