LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,355
−HK$4,161/mo
▼ 0.25% · 3.875%
HK$68,419
−HK$2,097/mo
Today · 4.125%
HK$70,516
baseline
▲ 0.50% · 4.625%
HK$74,807
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,032/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,820
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$75,800
−HK$2,008/mo
Today · 4.125%
HK$77,808
baseline
▲ 0.50% · 4.625%
HK$81,909
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,616/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,626
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,103
−HK$2,517/mo
Today · 4.125%
HK$84,620
baseline
▲ 0.50% · 4.625%
HK$89,769
+HK$5,149/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,240/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,584
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,959
−HK$2,411/mo
Today · 4.125%
HK$93,370
baseline
▲ 0.50% · 4.625%
HK$98,291
+HK$4,921/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,740/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,898
−HK$5,825/mo
▼ 0.25% · 3.875%
HK$95,787
−HK$2,936/mo
Today · 4.125%
HK$98,723
baseline
▲ 0.50% · 4.625%
HK$104,730
+HK$6,007/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,446/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,348
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$106,119
−HK$2,812/mo
Today · 4.125%
HK$108,931
baseline
▲ 0.50% · 4.625%
HK$114,673
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,862/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,440
−HK$7,490/mo
▼ 0.25% · 3.875%
HK$123,155
−HK$3,775/mo
Today · 4.125%
HK$126,930
baseline
▲ 0.50% · 4.625%
HK$134,653
+HK$7,723/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,860/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,875
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,439
−HK$3,615/mo
Today · 4.125%
HK$140,054
baseline
▲ 0.50% · 4.625%
HK$147,437
+HK$7,383/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,108/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,749 · Scale 2, in force from 26 Feb 2026)