LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,364
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$2,097/mo
Today · 4.125%
HK$70,526
baseline
▲ 0.50% · 4.625%
HK$74,817
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,052/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,830
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,810
−HK$2,009/mo
Today · 4.125%
HK$77,819
baseline
▲ 0.50% · 4.625%
HK$81,920
+HK$4,101/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,638/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,637
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,114
−HK$2,517/mo
Today · 4.125%
HK$84,631
baseline
▲ 0.50% · 4.625%
HK$89,781
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,262/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,596
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$90,972
−HK$2,410/mo
Today · 4.125%
HK$93,382
baseline
▲ 0.50% · 4.625%
HK$98,305
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,764/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,910
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,800
−HK$2,936/mo
Today · 4.125%
HK$98,736
baseline
▲ 0.50% · 4.625%
HK$104,744
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,472/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,362
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$106,134
−HK$2,812/mo
Today · 4.125%
HK$108,946
baseline
▲ 0.50% · 4.625%
HK$114,689
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,892/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,456
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,172
−HK$3,775/mo
Today · 4.125%
HK$126,947
baseline
▲ 0.50% · 4.625%
HK$134,671
+HK$7,724/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,894/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,894
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,458
−HK$3,615/mo
Today · 4.125%
HK$140,073
baseline
▲ 0.50% · 4.625%
HK$147,457
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,146/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,917 · Scale 2, in force from 26 Feb 2026)