LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,410
−HK$4,165/mo
▼ 0.25% · 3.875%
HK$68,476
−HK$2,099/mo
Today · 4.125%
HK$70,575
baseline
▲ 0.50% · 4.625%
HK$74,869
+HK$4,294/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$141,150/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,881
−HK$3,991/mo
▼ 0.25% · 3.875%
HK$75,862
−HK$2,010/mo
Today · 4.125%
HK$77,872
baseline
▲ 0.50% · 4.625%
HK$81,977
+HK$4,105/mo
Deposit HK$14.56M · loan HK$14.56M · min. income ≈ HK$155,744/mo (50% DSR)
Upfront cash ≈ HK$15.80M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$79,692
−HK$4,997/mo
▼ 0.25% · 3.875%
HK$82,171
−HK$2,518/mo
Today · 4.125%
HK$84,689
baseline
▲ 0.50% · 4.625%
HK$89,843
+HK$5,154/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$169,378/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,657
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$91,034
−HK$2,412/mo
Today · 4.125%
HK$93,446
baseline
▲ 0.50% · 4.625%
HK$98,372
+HK$4,926/mo
Deposit HK$11.65M · loan HK$17.47M · min. income ≈ HK$186,892/mo (50% DSR)
Upfront cash ≈ HK$12.89M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,974
−HK$5,830/mo
▼ 0.25% · 3.875%
HK$95,866
−HK$2,938/mo
Today · 4.125%
HK$98,804
baseline
▲ 0.50% · 4.625%
HK$104,816
+HK$6,012/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$197,608/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$103,433
−HK$5,588/mo
▼ 0.25% · 3.875%
HK$106,207
−HK$2,814/mo
Today · 4.125%
HK$109,021
baseline
▲ 0.50% · 4.625%
HK$114,768
+HK$5,747/mo
Deposit HK$8.74M · loan HK$20.39M · min. income ≈ HK$218,042/mo (50% DSR)
Upfront cash ≈ HK$9.97M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,538
−HK$7,496/mo
▼ 0.25% · 3.875%
HK$123,256
−HK$3,778/mo
Today · 4.125%
HK$127,034
baseline
▲ 0.50% · 4.625%
HK$134,764
+HK$7,730/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$254,068/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$132,985
−HK$7,185/mo
▼ 0.25% · 3.875%
HK$136,552
−HK$3,618/mo
Today · 4.125%
HK$140,170
baseline
▲ 0.50% · 4.625%
HK$147,558
+HK$7,388/mo
Deposit HK$2.91M · loan HK$26.21M · min. income ≈ HK$280,340/mo (50% DSR)
Upfront cash ≈ HK$4.15M (deposit + AVD stamp duty HK$1,237,768 · Scale 2, in force from 26 Feb 2026)