LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,324
−HK$4,159/mo
▼ 0.25% · 3.875%
HK$68,387
−HK$2,096/mo
Today · 4.125%
HK$70,483
baseline
▲ 0.50% · 4.625%
HK$74,772
+HK$4,289/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$140,966/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,785
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$75,763
−HK$2,008/mo
Today · 4.125%
HK$77,771
baseline
▲ 0.50% · 4.625%
HK$81,870
+HK$4,099/mo
Deposit HK$14.54M · loan HK$14.54M · min. income ≈ HK$155,542/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,589
−HK$4,991/mo
▼ 0.25% · 3.875%
HK$82,064
−HK$2,516/mo
Today · 4.125%
HK$84,580
baseline
▲ 0.50% · 4.625%
HK$89,726
+HK$5,146/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$169,160/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,542
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$90,916
−HK$2,409/mo
Today · 4.125%
HK$93,325
baseline
▲ 0.50% · 4.625%
HK$98,244
+HK$4,919/mo
Deposit HK$11.63M · loan HK$17.45M · min. income ≈ HK$186,650/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,853
−HK$5,823/mo
▼ 0.25% · 3.875%
HK$95,742
−HK$2,934/mo
Today · 4.125%
HK$98,676
baseline
▲ 0.50% · 4.625%
HK$104,680
+HK$6,004/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$197,352/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,298
−HK$5,581/mo
▼ 0.25% · 3.875%
HK$106,069
−HK$2,810/mo
Today · 4.125%
HK$108,879
baseline
▲ 0.50% · 4.625%
HK$114,619
+HK$5,740/mo
Deposit HK$8.73M · loan HK$20.36M · min. income ≈ HK$217,758/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,383
−HK$7,486/mo
▼ 0.25% · 3.875%
HK$123,096
−HK$3,773/mo
Today · 4.125%
HK$126,869
baseline
▲ 0.50% · 4.625%
HK$134,589
+HK$7,720/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,738/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,812
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$136,374
−HK$3,614/mo
Today · 4.125%
HK$139,988
baseline
▲ 0.50% · 4.625%
HK$147,367
+HK$7,379/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$279,976/mo (50% DSR)
Upfront cash ≈ HK$4.14M (deposit + AVD stamp duty HK$1,236,161 · Scale 2, in force from 26 Feb 2026)