LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,341
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,404
−HK$2,097/mo
Today · 4.125%
HK$70,501
baseline
▲ 0.50% · 4.625%
HK$74,791
+HK$4,290/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,002/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,803
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,008/mo
Today · 4.125%
HK$77,791
baseline
▲ 0.50% · 4.625%
HK$81,891
+HK$4,100/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,582/mo (50% DSR)
Upfront cash ≈ HK$15.78M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,609
−HK$4,992/mo
▼ 0.25% · 3.875%
HK$82,085
−HK$2,516/mo
Today · 4.125%
HK$84,601
baseline
▲ 0.50% · 4.625%
HK$89,749
+HK$5,148/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,202/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,564
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,939
−HK$2,410/mo
Today · 4.125%
HK$93,349
baseline
▲ 0.50% · 4.625%
HK$98,269
+HK$4,920/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,698/mo (50% DSR)
Upfront cash ≈ HK$12.87M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,877
−HK$5,824/mo
▼ 0.25% · 3.875%
HK$95,766
−HK$2,935/mo
Today · 4.125%
HK$98,701
baseline
▲ 0.50% · 4.625%
HK$104,707
+HK$6,006/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,402/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,325
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$106,096
−HK$2,811/mo
Today · 4.125%
HK$108,907
baseline
▲ 0.50% · 4.625%
HK$114,647
+HK$5,740/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,814/mo (50% DSR)
Upfront cash ≈ HK$9.96M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,413
−HK$7,488/mo
▼ 0.25% · 3.875%
HK$123,127
−HK$3,774/mo
Today · 4.125%
HK$126,901
baseline
▲ 0.50% · 4.625%
HK$134,623
+HK$7,722/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$253,802/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,846
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$136,409
−HK$3,614/mo
Today · 4.125%
HK$140,023
baseline
▲ 0.50% · 4.625%
HK$147,404
+HK$7,381/mo
Deposit HK$2.91M · loan HK$26.18M · min. income ≈ HK$280,046/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,473 · Scale 2, in force from 26 Feb 2026)