LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,375
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,439
−HK$2,098/mo
Today · 4.125%
HK$70,537
baseline
▲ 0.50% · 4.625%
HK$74,829
+HK$4,292/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$141,074/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,841
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$75,822
−HK$2,009/mo
Today · 4.125%
HK$77,831
baseline
▲ 0.50% · 4.625%
HK$81,933
+HK$4,102/mo
Deposit HK$14.55M · loan HK$14.55M · min. income ≈ HK$155,662/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,650
−HK$4,994/mo
▼ 0.25% · 3.875%
HK$82,127
−HK$2,517/mo
Today · 4.125%
HK$84,644
baseline
▲ 0.50% · 4.625%
HK$89,795
+HK$5,151/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$169,288/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,609
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$90,986
−HK$2,411/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$98,320
+HK$4,923/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,925
−HK$5,827/mo
▼ 0.25% · 3.875%
HK$95,815
−HK$2,937/mo
Today · 4.125%
HK$98,752
baseline
▲ 0.50% · 4.625%
HK$104,761
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,504/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,378
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$106,150
−HK$2,813/mo
Today · 4.125%
HK$108,963
baseline
▲ 0.50% · 4.625%
HK$114,706
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,926/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,474
−HK$7,493/mo
▼ 0.25% · 3.875%
HK$123,191
−HK$3,776/mo
Today · 4.125%
HK$126,967
baseline
▲ 0.50% · 4.625%
HK$134,692
+HK$7,725/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,934/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,914
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$136,479
−HK$3,616/mo
Today · 4.125%
HK$140,095
baseline
▲ 0.50% · 4.625%
HK$147,480
+HK$7,385/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,190/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,109 · Scale 2, in force from 26 Feb 2026)