LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,379
−HK$4,162/mo
▼ 0.25% · 3.875%
HK$68,444
−HK$2,097/mo
Today · 4.125%
HK$70,541
baseline
▲ 0.50% · 4.625%
HK$74,834
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,082/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,846
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$75,826
−HK$2,009/mo
Today · 4.125%
HK$77,835
baseline
▲ 0.50% · 4.625%
HK$81,938
+HK$4,103/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,670/mo (50% DSR)
Upfront cash ≈ HK$15.79M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,655
−HK$4,995/mo
▼ 0.25% · 3.875%
HK$82,132
−HK$2,518/mo
Today · 4.125%
HK$84,650
baseline
▲ 0.50% · 4.625%
HK$89,800
+HK$5,150/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$169,300/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,615
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$90,991
−HK$2,411/mo
Today · 4.125%
HK$93,402
baseline
▲ 0.50% · 4.625%
HK$98,326
+HK$4,924/mo
Deposit HK$11.64M · loan HK$17.47M · min. income ≈ HK$186,804/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,930
−HK$5,828/mo
▼ 0.25% · 3.875%
HK$95,821
−HK$2,937/mo
Today · 4.125%
HK$98,758
baseline
▲ 0.50% · 4.625%
HK$104,767
+HK$6,009/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$197,516/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,384
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$106,157
−HK$2,813/mo
Today · 4.125%
HK$108,970
baseline
▲ 0.50% · 4.625%
HK$114,713
+HK$5,743/mo
Deposit HK$8.73M · loan HK$20.38M · min. income ≈ HK$217,940/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,482
−HK$7,492/mo
▼ 0.25% · 3.875%
HK$123,198
−HK$3,776/mo
Today · 4.125%
HK$126,974
baseline
▲ 0.50% · 4.625%
HK$134,700
+HK$7,726/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$253,948/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,922
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$136,487
−HK$3,617/mo
Today · 4.125%
HK$140,104
baseline
▲ 0.50% · 4.625%
HK$147,489
+HK$7,385/mo
Deposit HK$2.91M · loan HK$26.20M · min. income ≈ HK$280,208/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,185 · Scale 2, in force from 26 Feb 2026)