LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,365
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,429
−HK$2,098/mo
Today · 4.125%
HK$70,527
baseline
▲ 0.50% · 4.625%
HK$74,818
+HK$4,291/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,054/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,236,926 · 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$81,921
+HK$4,102/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$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,638
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,115
−HK$2,517/mo
Today · 4.125%
HK$84,632
baseline
▲ 0.50% · 4.625%
HK$89,782
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,264/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,596
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,972
−HK$2,411/mo
Today · 4.125%
HK$93,383
baseline
▲ 0.50% · 4.625%
HK$98,305
+HK$4,922/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,766/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,911
−HK$5,826/mo
▼ 0.25% · 3.875%
HK$95,801
−HK$2,936/mo
Today · 4.125%
HK$98,737
baseline
▲ 0.50% · 4.625%
HK$104,745
+HK$6,008/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,474/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,362
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,135
−HK$2,812/mo
Today · 4.125%
HK$108,947
baseline
▲ 0.50% · 4.625%
HK$114,689
+HK$5,742/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,894/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,457
−HK$7,491/mo
▼ 0.25% · 3.875%
HK$123,173
−HK$3,775/mo
Today · 4.125%
HK$126,948
baseline
▲ 0.50% · 4.625%
HK$134,672
+HK$7,724/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$253,896/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,895
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$136,459
−HK$3,615/mo
Today · 4.125%
HK$140,074
baseline
▲ 0.50% · 4.625%
HK$147,458
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.19M · min. income ≈ HK$280,148/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,236,926 · Scale 2, in force from 26 Feb 2026)