LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,372
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,436
−HK$2,098/mo
Today · 4.125%
HK$70,534
baseline
▲ 0.50% · 4.625%
HK$74,826
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,068/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,818
−HK$2,009/mo
Today · 4.125%
HK$77,827
baseline
▲ 0.50% · 4.625%
HK$81,929
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,654/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,646
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,123
−HK$2,517/mo
Today · 4.125%
HK$84,640
baseline
▲ 0.50% · 4.625%
HK$89,791
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$169,280/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,605
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,982
−HK$2,410/mo
Today · 4.125%
HK$93,392
baseline
▲ 0.50% · 4.625%
HK$98,315
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.46M · min. income ≈ HK$186,784/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,920
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,811
−HK$2,936/mo
Today · 4.125%
HK$98,747
baseline
▲ 0.50% · 4.625%
HK$104,756
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$197,494/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,373
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,145
−HK$2,813/mo
Today · 4.125%
HK$108,958
baseline
▲ 0.50% · 4.625%
HK$114,701
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.37M · min. income ≈ HK$217,916/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,469
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,185
−HK$3,776/mo
Today · 4.125%
HK$126,961
baseline
▲ 0.50% · 4.625%
HK$134,686
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,922/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,908
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,472
−HK$3,617/mo
Today · 4.125%
HK$140,089
baseline
▲ 0.50% · 4.625%
HK$147,473
+HK$7,384/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,178/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,051 · Scale 2, in force from 26 Feb 2026)