LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,349
−HK$4,160/mo
▼ 0.25% · 3.875%
HK$68,412
−HK$2,097/mo
Today · 4.125%
HK$70,509
baseline
▲ 0.50% · 4.625%
HK$74,800
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,018/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,812
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,792
−HK$2,008/mo
Today · 4.125%
HK$77,800
baseline
▲ 0.50% · 4.625%
HK$81,901
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,600/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,618
−HK$4,993/mo
▼ 0.25% · 3.875%
HK$82,095
−HK$2,516/mo
Today · 4.125%
HK$84,611
baseline
▲ 0.50% · 4.625%
HK$89,759
+HK$5,148/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,222/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,575
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$90,950
−HK$2,410/mo
Today · 4.125%
HK$93,360
baseline
▲ 0.50% · 4.625%
HK$98,281
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,720/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,888
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,777
−HK$2,936/mo
Today · 4.125%
HK$98,713
baseline
▲ 0.50% · 4.625%
HK$104,719
+HK$6,006/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,426/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,337
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,108
−HK$2,812/mo
Today · 4.125%
HK$108,920
baseline
▲ 0.50% · 4.625%
HK$114,661
+HK$5,741/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,840/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,427
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,142
−HK$3,775/mo
Today · 4.125%
HK$126,917
baseline
▲ 0.50% · 4.625%
HK$134,639
+HK$7,722/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,834/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,862
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$136,425
−HK$3,615/mo
Today · 4.125%
HK$140,040
baseline
▲ 0.50% · 4.625%
HK$147,422
+HK$7,382/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,080/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,623 · Scale 2, in force from 26 Feb 2026)