LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,394
−HK$4,164/mo
▼ 0.25% · 3.875%
HK$68,460
−HK$2,098/mo
Today · 4.125%
HK$70,558
baseline
▲ 0.50% · 4.625%
HK$74,851
+HK$4,293/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,116/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,863
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,844
−HK$2,010/mo
Today · 4.125%
HK$77,854
baseline
▲ 0.50% · 4.625%
HK$81,957
+HK$4,103/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,708/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,673
−HK$4,996/mo
▼ 0.25% · 3.875%
HK$82,152
−HK$2,517/mo
Today · 4.125%
HK$84,669
baseline
▲ 0.50% · 4.625%
HK$89,821
+HK$5,152/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,338/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,636
−HK$4,788/mo
▼ 0.25% · 3.875%
HK$91,013
−HK$2,411/mo
Today · 4.125%
HK$93,424
baseline
▲ 0.50% · 4.625%
HK$98,349
+HK$4,925/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,848/mo (50% DSR)
Upfront cash ≈ HK$12.88M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,952
−HK$5,829/mo
▼ 0.25% · 3.875%
HK$95,843
−HK$2,938/mo
Today · 4.125%
HK$98,781
baseline
▲ 0.50% · 4.625%
HK$104,792
+HK$6,011/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$197,562/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,408
−HK$5,587/mo
▼ 0.25% · 3.875%
HK$106,182
−HK$2,813/mo
Today · 4.125%
HK$108,995
baseline
▲ 0.50% · 4.625%
HK$114,740
+HK$5,745/mo
Deposit HK$8.74M · loan HK$20.38M · min. income ≈ HK$217,990/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,510
−HK$7,494/mo
▼ 0.25% · 3.875%
HK$123,227
−HK$3,777/mo
Today · 4.125%
HK$127,004
baseline
▲ 0.50% · 4.625%
HK$134,732
+HK$7,728/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,008/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,954
−HK$7,183/mo
▼ 0.25% · 3.875%
HK$136,519
−HK$3,618/mo
Today · 4.125%
HK$140,137
baseline
▲ 0.50% · 4.625%
HK$147,523
+HK$7,386/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,274/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,476 · Scale 2, in force from 26 Feb 2026)