LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,318
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,381
−HK$2,096/mo
Today · 4.125%
HK$70,477
baseline
▲ 0.50% · 4.625%
HK$74,766
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,954/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,779
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,008/mo
Today · 4.125%
HK$77,765
baseline
▲ 0.50% · 4.625%
HK$81,864
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,530/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,582
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,058
−HK$2,515/mo
Today · 4.125%
HK$84,573
baseline
▲ 0.50% · 4.625%
HK$89,719
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,146/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,534
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$90,909
−HK$2,409/mo
Today · 4.125%
HK$93,318
baseline
▲ 0.50% · 4.625%
HK$98,236
+HK$4,918/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,636/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,846
−HK$5,822/mo
▼ 0.25% · 3.875%
HK$95,734
−HK$2,934/mo
Today · 4.125%
HK$98,668
baseline
▲ 0.50% · 4.625%
HK$104,672
+HK$6,004/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,336/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,290
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,060
−HK$2,811/mo
Today · 4.125%
HK$108,871
baseline
▲ 0.50% · 4.625%
HK$114,609
+HK$5,738/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,742/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,373
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,086
−HK$3,773/mo
Today · 4.125%
HK$126,859
baseline
▲ 0.50% · 4.625%
HK$134,578
+HK$7,719/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,718/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,802
−HK$7,174/mo
▼ 0.25% · 3.875%
HK$136,363
−HK$3,613/mo
Today · 4.125%
HK$139,976
baseline
▲ 0.50% · 4.625%
HK$147,355
+HK$7,379/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$279,952/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,061 · Scale 2, in force from 26 Feb 2026)