LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,316
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,379
−HK$2,096/mo
Today · 4.125%
HK$70,475
baseline
▲ 0.50% · 4.625%
HK$74,763
+HK$4,288/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,950/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,776
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,755
−HK$2,007/mo
Today · 4.125%
HK$77,762
baseline
▲ 0.50% · 4.625%
HK$81,861
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,524/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,579
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,055
−HK$2,515/mo
Today · 4.125%
HK$84,570
baseline
▲ 0.50% · 4.625%
HK$89,716
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,140/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,531
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,906
−HK$2,408/mo
Today · 4.125%
HK$93,314
baseline
▲ 0.50% · 4.625%
HK$98,233
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,628/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,843
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,730
−HK$2,935/mo
Today · 4.125%
HK$98,665
baseline
▲ 0.50% · 4.625%
HK$104,668
+HK$6,003/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$197,330/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,286
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,056
−HK$2,811/mo
Today · 4.125%
HK$108,867
baseline
▲ 0.50% · 4.625%
HK$114,605
+HK$5,738/mo
Deposit HK$8.72M · loan HK$20.36M · min. income ≈ HK$217,734/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,369
−HK$7,485/mo
▼ 0.25% · 3.875%
HK$123,082
−HK$3,772/mo
Today · 4.125%
HK$126,854
baseline
▲ 0.50% · 4.625%
HK$134,573
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$253,708/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,797
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,358
−HK$3,613/mo
Today · 4.125%
HK$139,971
baseline
▲ 0.50% · 4.625%
HK$147,349
+HK$7,378/mo
Deposit HK$2.91M · loan HK$26.17M · min. income ≈ HK$279,942/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,017 · Scale 2, in force from 26 Feb 2026)